{"id":733,"date":"2024-11-12T15:31:12","date_gmt":"2024-11-12T15:31:12","guid":{"rendered":"https:\/\/tfolifeacademy.com\/tfofamilyoffice\/?post_type=tool_resource&p=733"},"modified":"2024-11-12T15:31:12","modified_gmt":"2024-11-12T15:31:12","slug":"tips-to-control-frenzied-holiday-spending","status":"publish","type":"tool_resource","link":"https:\/\/tfolifeacademy.com\/tfofamilyoffice\/resource\/tips-to-control-frenzied-holiday-spending\/","title":{"rendered":"Tips to Control Frenzied Holiday Spending"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]<\/p>\n

Take an organized approach to holiday shopping and actually enjoy it<\/h3>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]If advertisements and commercials are beginning to feature scenes of happy families, clad in brightly colored sweaters, gathered by a fire, surrounded by an assortment of presents, then the countdown to the holidays has begun.<\/p>\n

Although it may be a joyous time that reunites old friends and distant family members, one dilemma you may face is how can you avoid the pressure to overspend, yet still have the pleasure of buying presents for your family and friends?<\/p>\n

The key strategy is to plan ahead<\/strong><\/em>. Begin by writing down the names of those you plan to buy for \u2013 at least one gift idea for each person on your list \u2013 including a general idea of where you might find his or her gift. If you don\u2019t know what type of gift you would like to give, browse through catalogs, on-line advertisements, and newspaper flyers for some ideas. This could help you avoid the trap of making your decision while in the store \u2013 when impulse buying may cost you more than you wish to spend.<\/p>\n

Setting a limit on the number \u2013 and cost \u2013 of the gifts you plan to buy can help you stay within your budget and allow you to purchase appropriate gifts for the special people in your life. Once you have your list, and estimate the cost of your proposed purchases, you can adjust it, so the total expenditures fit into your holiday budget.<\/p>\n

Shopping Strategy<\/strong><\/p>\n

To prevent overextending yourself, keep the following principles in mind:<\/strong><\/p>\n

\u2022\u00a0 Shopping online offers a convenient way to browse and discover gifts. Utilizing a \u201csave for later\u201d feature in your shopping cart allows you to store gift ideas, compare prices and make thoughtful choices while avoiding impulse purchases.<\/p>\n

\u2022\u00a0 Whenever possible, pay by cash or check, rather than by credit cards. High interest rates and the enticement to \u201cpay later\u201d may lead to a larger debt than you can afford.<\/p>\n

\u2022\u00a0 Consider exchanging names among a group of friends or family with a set dollar limit to purchase a gift for one person. Remember, it is quality, not quantity that matters when giving.<\/p>\n

\u2022\u00a0 Think about pooling your resources with other family members to buy gifts for individuals, particularly if it involves a rather expensive present.<\/p>\n

\u2022\u00a0 When in doubt, purchase a gift card from a person\u2019s favorite store. With this type of gift, you avoid overspending because you are purchasing a pre-determined amount. Chances are your loved one will have some fun picking out the item they desire.<\/p>\n

\u2022\u00a0 Look to purchase \u201cstocking stuffers\u201d at a discount store all in one trip. This will help you avoid impulse buys.<\/p>\n

\u2022\u00a0 Prevent the \u201creturn blues\u201d by saving all your receipts for gifts in one envelope. Label each slip with the items you purchased, where you purchased them, and for whom.<\/p>\n

\u2022\u00a0 Handmade gifts and cards are sometimes the best gifts received. Use your creativity and talent to give the gift of yourself, it is often a personal touch that is greatly appreciated!<\/p>\n

Taking an organized approach to holiday shopping can make the experience enjoyable for many reasons. First, you will be getting the most value for your dollar. Second, you will now have the time to really relax and enjoy the holidays, knowing your preparations are complete.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text el_class=”disclosure-small”]1162-2024-10[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"

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