How to make the holidays more affordable
While it ’ s almost impossible to avoid spending money around Christmas time , the festivities and gift-giving shouldn ’ t put you in debt . Here are a few tips for an enjoyable and affordable holiday season .
Create a budget : Write a list of all your holiday purchases , including presents , food , drinks , decorations and new outfits . Then , determine how much you can afford to spend on each category . To ensure you respect your budget , place the allocated money in an envelope , and use that instead of your credit card .
Stagger your purchases : Start shopping early , and spread out your purchases over several weeks . This will help you avoid paying for everything at once or accumulating interest on a large outstanding credit card bill . You ’ ll also have more time to look for deals and stock up on items like gift wrap and non-perishable food when they ’ re on sale .
Buy local : If you purchase as much as you can nearby , you ’ ll save on gas and time . If you prefer to shop online , you ’ ll avoid exorbitant shipping fees . Additionally , sign up for newsletters from local stores as these sometimes contain exclusive offers .
Limit your expenses : There are plenty of simple ways to spend less during the holidays without missing out on the magic of the season . Among other things , you can :
• Gift your loved ones with memorable and affordable outings rather than pricey toys or gadgets .
• Make certain presents by hand ( personalized calendar , gourmet goodie basket , etc .)
• Wrap your gifts in items you have on hand such as newspaper or reusable shopping bags .
• Organize a clothing swap with friends to refresh your holiday wardrobe .
Great gifts for someone living in a retirement home
Are you wondering what type of gift to get for a relative or friend who lives in a retirement home ? If so , here are a few ideas .
• A best seller . If your loved one likes to read , look for a new release they can add to their collection . Be sure to pick a book in a genre they enjoy such as historical fiction or action adventure . A subscription to a local newspaper ensures your loved one can stay up-to-date .
• A potted plant . Whether you opt for a lush fern or a flowering species , the greenery is sure to liven up their space . Opt for a modest-size , low-maintenance variety .
• A warm accessory . Keep you loved one comfortable this winter with a plush bathrobe , soft slippers or wool socks . Alternatively , choose a quilt or blanket for their bed .
• A goodie basket . Purchase a gourmet gift basket or assemble one yourself with treats your relative loves . Make sure to avoid perishable items if their room doesn ’ t have a fridge .
• A decorative item . Visit local shops and craft fairs to find unique pieces that will add character to their home . Consider pairing a handmade frame with a new family photo .
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