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Posted by: Melissa @ Mommy Living the Life of Riley on July 13th, 2012 Filed in: Tips, Techniques, How-Tos & Advice
We know, we know...the holidays are about enjoying time with family and loved ones. But there's so much to do and spend. Rather than making this season a time of stress, scrambling and overspending, follow this plan to keep your happiness sky-high and your budget low.
- Create a schedule: It's never too early to plan your shopping, says organizing guru Julie Morgenstern, author of SHED Your Stuff, Change Your Life. "Right now, put five dedicated shopping trips on your calendar over the next two months for holiday meals, gift and gatherings you plan to host."
- Set your budget - NOW: Figure out how much money you can comfortably imagine disappearing from your savings on January 1, says financial expert Jean Chatzky. Plan how you'll have that amount in your checking account when the bills come in. "If you have eight weeks until the holidays and an $800 budget, move $100 into savings every week so it'll be there to pay the bills," she says.
- Allocate your budget: What would make you happiest this year? Hosting a wonderful holiday gathering? Giving great presents? Going all-out on the menus? Divide cash accordingly.
- Make your lists: Figure out gifts and groceries. "Plan your meal and party menus far in advance," says Morgenstern. Once you know the menu, knocking out a shopping list is a breeze.
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