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Best Things to Give for Gifts on a Budget

When the holidays are just around the corner, it’s easy to become overwhelmed with purchasing gifts for everyone. Even just buying gifts for a few people can quickly become expensive, especially if you don’t have a large budget to work with. The holidays are rough on budgets for many families, but it’s possible to give memorable gifts no matter what your money situation is like. Sometimes the best gifts given are the ones that you put the most thought into, not money. Discount Gift Cards Gift cards make a great present for just about any occasion because it allows the person receiving the gift to use it however they please. There are a variety of ways you can find discounted cards, helping you save money. If you decide to purchase a gift card for a loved one, make sure it’s a store you know they shop at frequently. Target gift cards are popular because many people shop at Target and there are so many different types of items to buy there. Grocery store gift cards also can make someone’s day because everyone buys groceries and gift cards can help them save money at the grocery store. Baked Goods Just about ...

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6 Things to Include in Your Holiday Party Budget

holiday party

Just about everybody loves a good party. If you are planning one for either Christmas or New Year’s this year, you might be wondering what things to include in your holiday party budget that will make your party a smash hit! Taking time to make a plan, and a budget, for your holiday party will ensure you don’t go over board with spending during the expensive holiday season. Plus, it’ll help you avoid forgetting things that you’ll have to run and grab at the last minute. It’s a win-win! Here are 6 things you should include in your holiday party budget. 1 Food It isn’t a party if you don’t have great food. Make sure you plan your menu ahead of time and don’t wait until the last minute to do your grocery shopping. I was once forced to change my holiday menu because the only grocery store in my small town was out of a critical ingredient I needed for one of the food items I had been planning. If some of the ingredients you need are canned or boxed you might be able to pick them up a couple of weeks early when they are on sale and ...

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Merry Christmas and Happy New Year!

snowy day in Colorado

Instead of financial wisdom today, I thought I’d give everyone a little time off from personal finance to reflect. Looking back on 2015, I’m very blessed and happy to have great family and friends, our health, a safe home, the ability to earn income that provides for our needs, and the freedom to live in a country where we have so many choices and opportunities. Change in Holiday Plans The big news at our house this week is that my parents, who were coming for Christmas for the first time ever, won’t able to make it due to some lingering health issues. While we are all disappointed, it was probably for the best. Southwest Colorado is getting pounded with snow that isn’t expected to let up until after Christmas. I’m not sure how happy anyone’s holidays would have been with family stuck somewhere in an airport! To make up for the lack of company, we decided to foster a dog. Originally, we were going to wait until after the new year, but when we saw Hazel, we knew she needed to spend the holidays with us. Hazel is probably about a year old and some sort of rez dog mix. ...

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Smart Financial Moves to Make During the Holiday Break

getting finances on track

As we count down the last few days until the end of the year, here’s to hoping everyone gets a little time off. Obviously, you’ll want to spend some time with friends and family, but hopefully there will be a little downtime as well. Sure it’s fun to binge watch a TV series or watch cute animal videos, but there are also some smart financial moves to make during the holiday break. Set up a System to Track Finances Whether you use Excel, Google Docs, or a notebook and pen, tracking income and spending is one of the most important financial steps you can take if you want to take control of your money. Spend a little time learning what you spend money on and where there is room for improvement. You can also set up a free account with Personal Capital and let them do the heavy lifting for you. Not only can Personal Capital track finances, they also offer tools to check investment fees and calculators to make sure you retire with enough money to live on. Start Planning for Next Year’s Taxes Sure you have until April 15th to complete tax filing, but now is the perfect time ...

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5 Ways to Beat the Holiday Blues

beating the holiday blues

  Although many people love the holiday season, others tend to side with the Grinch. Holiday blues can make people unproductive, less careful with money, and even mean. I made the mistake of asking the front desk clerk at the rec center if they were open on Christmas Eve and got a whole tirade of how unfair it was that she had to work on December 24! If you are one of the stressed, depressed, or downright cranky people who are struggling to find your holiday cheer, here are 5 ways to beat the holiday blues. Focus on the Positive Things Even if ten positive things happen in a day, it’s easy to dwell on the one negative that reared its ugly head. When I get stuck in a negative, it helps to make a list of all the good things going on in my life. Sometimes a mental list is enough, and sometimes I need to write them down. While this may seem silly at first glance, it’s hard to dwell on being late or not getting a job when you sit down and think about things like health, family, friends, and all the great opportunities that did go your ...

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