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The thought is what counts

The thought is what counts for giving gifts, especially when trying to remain financially fit.

We often get caught up in the commercialization of Christmas, and if we are not careful, we can spend more money than we much beyond our means. While it was generous and kind, the question is it necessary? Could you have shown your gratitude and thoughtfulness through an act of kindness or some level of appreciation? We encourage you all to take a new approach to your Christmas shopping. It isn’t too late to start practicing these tips and tricks, either. 

  1. Take the time to do something for someone rather than purchase them a gift. This could be making dinner for them or helping them with a particular household chore. Sometimes these acts of kindness can help us connect with our loved ones and have more meaning than any gift.
  2. Create a list for who you want to provide a gift and the materials required to wrap them or send them. Keep track of these gifts by writing out what you purchased for each person as well—this way you are not over purchasing.
  3. Set a budget and stick to it. You can use your list to develop your account or determine your budget and then divide it out by your list! Either way, it is only as good as your ability to stick to it. 
  4. Christmas gifts can add additional financial stresses if you are not preparing for the expenditure. You can easily save up a certain amount of cash each month that goes toward your Christmas fund. This way, you are not accruing these expenses with credit cards, but you can pay with money and maintain your financial health. You can also be someone who shops all year long. This way, you are not expending your funds all at once.

We hope you all have a wonderful Christmas and a holiday season with your loved ones that you can remember and enjoy. We also hope that it is stress-free and you can start the new year with the personal finances you are proud of. 

Merry Christmas!

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