PRICELESS TAKE ONE!
JCMFanpage juancitymarket Vol. 9 No. 10 October 2019
Marikina City
Filipinos trend to overspend during the Holiday Season. However it will help a lot to have a comprehensive plan in place so you know exactly where your money is going. Here are 9 ways to trim your expenses without sacrificing the things and experiences we want to enjoy during the holidays. 1. Set a Holiday Budget. Prepare your budget before the onset of the main holidays and check it often to make sure you’re spending within your means. Don’t set a budget that’s too tight that will leave you without a little elbow room for last-minute purchases or enough cash for gifts. It also pays to remember other costs such as parties, travel expenses, charitable donations, and other holiday activities. If possible, add some money into your budget for unexpected costs.
2. Monitor Your Spending. Tracking your spending is in line with your holiday budget. Some people find it convenient to keep a separate Christmas fund in a dedicated bank account. Another way is to have spreadsheets to you can enter your actual expenses. 3. Cut Back on Extra Expenses. We are all guilty in some way or another of indulging a little more than we should spend during the holiday season. Be sure it’s really worth the price before you decide to treat yourself on a little “extra.” 4. Pooling Resources into the “Secret Santa” Experience. Putting your resources into a Secret Santa experience will surely help relieve some of the stress and financial burden of exchanging gifts with every member of your family. The to page 2
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Marikina City
Vol. 9 No. 10 October 2019
Tips to trim your expenses and save money during the Holidays continuation from page 1
money you would have spent on family gifts can be channeled instead to other people in need. It is a great way to give back and have a charitable experience with your loved ones. Some other ideas for charity during the holidays include toy drives, volunteer work, and donating to charity. 5. Traditions don’t have to be Expensive. Traditions are important and admirable and make the holidays so special. Make cheaper events and traditions part of your celebration without missing the festivities and memories. Some suggested inexpensive activities for the family include: touring neighborhood Christmas lights, watching a movie with hot chocolate at home, seeing Santa at the mall, reading favorite Christmas stories, and caroling. 6. Have a Potluck Party. If you’re hosting an event, let everyone know you’re going to make the main dish, but that you’d appreciate help on sides, appetizers, desserts, and drinks. Also let everyone know in
advance what their assignments are to avoid having the same foods on the table. For Christmas games and activities, involve your teen nieces and nephews. 7. Compare Prices when Buying “Sales.” Be careful during holiday sales as some shops may not even be truly discounted. Some stores keep prices the same but simply mark items with a “sale” sign. Always compare shop prices before you purchase during a sale. You can also bring a printout of your budget so you can check your spending and avoid being swayed by discounted items. 8. Know When to Stop Shopping. You know it’s time to stop shopping when your list is finished and you’ve checked it twice. Plan your purchases and stop when you’re done to avoid that shopping hangover after the holidays. 9. Plan for the New Year. The period right after the holiday is the perfect time to check over your budget and make plans for the coming year. If you’re practical, you can get a jump-start on purchasing decor and wrapping goods for next year’s holidays.
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Marikina City
Vol. 9 No. 10 October 2019
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