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16 Ways to Celebrate a Budget Christmas

16 Ways to Celebrate a Budget Christmas

Decorations

1. Decorate with what is meaningful to you

When you think about the real meaning behind Christmas decorations, they are used to add a festive touch according to your tastes and based on what the holiday means for you. Whether you believe in the religious roots of Christmas, or just like the magic of the whole season, pick your decorations to express that, without feeling pressure for more. You can’t compete with Martha Stewart or the big shopping malls, but you can choose what is displayed at your home. Below are some easy ways:

(i) Pick children’s favorite ornaments or toys to add to the tree or hang in their rooms

(ii) Make simple handmade tree trimmings

(iii) Choose a string of lights

If your budget Christmas has minimal or no allowance for decorations, choose a string of lights only. They will instantly make any room look Christmas-y

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(iv) Use Fresh greenery you find while walking out in nature or garden

2. Set the right atmosphere

Christmas is one of the most atmospheric times, when memories are recalled, scents encourage thoughts, and there’s a feeling in the air that makes everything seems possible. To make sure you will have a beautiful celebration at home, set the right atmosphere, by including warm and festive smells, cozy corners and of course the right tunes. You can do these:

(i) Play a CD or YouTube videos

(ii) Take out cozy blankets

(iii) Put a few spices and fruit simmering on the stove

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Activities

3. Plan family activities ahead

Include board games or classic group activities during and/or after the Christmas meal, to have something to look forward to and shift the focus from the food or the gifts. No one remembers how many side dishes they had last year, but memories from funny times and inside jokes created over board games are more likely to stay forever. Start brainstorming ideas beforehand and ask for everyone’s opinion on what they’d like to do. This also teaches your kids that family time needs planning too, same as presents and food. If you’re not really fond of games, looking at family photo albums would be lovely and fun too.

4. Cook together as a family

What you are serving on your table doesn’t matter if everyone is grumpy and disappointed or rushing to get to a party afterwards. A happy meal is made of happy sharing. To encourage more interaction and fun in your family, try to involve everyone with the food preparations. Even toddlers can help wash vegetables or cut cheese. Having everyone work as a team will ensure a fun time; just remember to ignore the mess and be more open to things not being done your way. In the end, all of you will appreciate the labor of love sitting on the table and might even linger a bit more sitting around and talking to each other, instead of heading for the phone or TV.

5. Stretch the joy in the whole season

Being on a budget sometimes means less things to look forward to, compared to old times. This can lead to a moody feeling. To avoid this, spread out the little things on different days leading to Christmas and leave some for after. There’s no reason why you can’t watch a movie every single day of December instead of doing a marathon night or why you can’t have a festive brunch on other days besides Christmas morning. You can also write everything on a calendar or put it on your advent, so each member of the family can look forward to some fun. Focusing on a couple of activities you enjoy most will create meaningful memories for your children.

Gatherings and social interaction

6. Create your own traditions

Traveling to celebrate with family and friends equals great holidays, but sometimes the high cost of flights, the bad weather and the full houses you visit aren’t worth it. If you are used to visiting your big families every year, stay at home this Christmas for a change. You might even like this more, but you have to try it. Prepare your children, if they have been looking forward to meeting their cousins all year long, by telling them you will be on a different adventure this year. Mention things like discovering your town, visiting different festive events and celebrating your own magical way at home. If you think about it, you’ve been leaving home every year, to be part of big loud tables, when you don’t always have the opportunity to spend productive time with those you care about most, or avoid relatives you don’t get along with. When you celebrate with a big crowd, you are often following others’ traditions and way of doing Christmas. Why not sit down and think how you really want to spend this holiday? Write a few thoughts and ask everyone in the family for one thing they’d like to do. Limit it to one thing or you’ll create unwanted stress. Be sure to balance quiet time with some fun and eventually create your own version of Christmas. If you like it, next year you can start inviting people over to your house, or go back to traveling if you realize that’s what your ideal Christmas looks like.

7. Show people your way of doing Christmas

Don’t sit there stressing about what others might think of you, especially if it’s the first time you’re doing a budget Christmas. Instead, make the first move and let them know about your decision to celebrate differently this year and tell them what to expect. You might even make them want to adopt your way or join you for some of the new activities. By letting people know your intentions, you will have fewer of them judge you or express disappointment later. Learning to say no to anything that doesn’t align with your intentions is one of the most common pieces of advice that experts give for having a stress-free holiday season.

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Food

8. Use all you have in your pantry

Doing a budget Christmas is a great opportunity to take out every food item from your fridge and cupboards. Make a rule of buying no food unless you have used everything you already have at home. Plan your meals around them and incorporate some in the festive meal too. You might come up with interesting combinations and new flavors.

9. Serve finger food

If you are having guests over, serve meatless dishes and a lot of appetizer-style ones. Small bites and finger food are child-friendly, too. Anything that can be served cold or at room temperature will cut your time.

10. Put a theme on it

To add interest to a simple celebration with minimal spending, put a theme on it and pay attention to adding a couple of details. Everything will look more exciting if it’s part of the “Christmas at the English pub” or “Beach-cottage Christmas”. Pasta, pie, sparkling water with lemon, or wine with sliced apples will never look more fancy than on your thematic gathering. A Subtle Revelry magazine founder and book author Victoria Hudgins is a big advocate of making everyday food festive with a few details added. Here are a few ideas to get inspired.

11. Same food, different way

You can totally cook your usual dishes for Christmas, with a slight variation in presentation. If you normally cut your roasted veggies in big chunks, cube them or slice them diagonally this time. You won’t believe what a difference such small trick makes. Make sure there are two or more colors in there for visual interest. On the same note, slice the meat thinly if you normally serve it whole.

Gifts

12. Teach children the joy of giving

A sudden Christmas without presents for a child used to getting 10 wrapped packages under the tree will be disappointing and dramatic. Instead of making drastic changes, slowly introduce new traditions to your children, while dropping old ones you don’t want to continue. Assign one person for each child and help them make or buy a gift for them. It can be a relative, a senior, or a struggling neighbor, but it is more real and encouraging when the child knows that person. The joy in their eyes when unwrapping presents under the Christmas tree might be less with fewer gifts. However, your children will get to know a deeper and longer-lasting joy, that of giving and sharing, which often wins over the joy of getting. The younger they are when you introduce this tradition, the easier it will be for you to establish more meaningful and non-materialistic Christmas celebrations. Joy Cho has been doing this with her three-year-old daughter since she was born.

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13. Re-gifting done right

If you haven’t already, start to embrace re-gifting right now. Even experts give it a thumbs up, as long as it’s done right. Ditch the guilt and the social embarrassment fear by following these simple tips:

  • Make sure you know who gave the item to you
  • Don’t re-gift it to someone related to the person who gave it to you
  • The item should be new and functioning
  • The person who will get it will love it and use it

14. Spend your time instead of money

Don’t spend a dime on wrapping paper or gift tags, fancy bottled beverages or anything you can make yourself easily. If you really want to commit to spending less this year, consider every coin you can save and be ready to spend a little more time making things. Also, follow the rule of one present per person only. You’d be surprised, but studies have led to the conclusion that a second gift actually lowers the value of the whole experience. It’s actually called the “Presenter’s Paradox”.

Where to start

15. Make a bouncy budget

As with every other aspect of your life, there’s no reason not to make a budget for Christmas. To avoid feeling like a Scrooge about it, bounce your categories. Pay attention to each of them and choose where you want to spend more and where you wouldn’t mind cutting back. For example, after the initial equal division between all categories, feel free to bounce some money from the food category to the gifts one, if you don’t want your kids to get disappointed, while you enjoy making food from scratch. Alter whatever works for you and bounce everything according to your needs, so everyone is content even on a budget.

16. Be honest about it

If the whole Christmas-celebration thing still looks intimidating to you, follow none of the above tips. Simply be honest with yourself and go through the reasons you need to do a budget Christmas this year. Be it financial problems or just the need to establish a more simplified and meaningful life, tell everyone in your family why you are doing it and you can all speed up the process of getting where you want to be together. Experts like Leo Batuta always advice to dig through the reality of your current life, in order to be able to achieve the changes you want. Get started with these five questions.
If you manage to establish healthy habits, try to continue them after Christmas too. Especially with kids, consistency is the key to sticking with new behaviors.

Go on and enjoy Christmas your own way! Don’t stress too much about pleasing everyone or getting the best gifts. Only you know what is best for your family right now. After all, every single study agrees that it’s the experiences that make us happy on the long run, rather than material objects. Focus on spending time with those who matter for you, rather than anxiously waiting for a January full of debt to come.

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Published on November 20, 2018

The Best Ways to Save Money Even Impulsive Spenders Can Get Behind

The Best Ways to Save Money Even Impulsive Spenders Can Get Behind

The truth is, there are many “money saving guides” online, but most don’t cover the root issue for not saving.

Once I’d discovered a few key factors that allowed me to save 10k in one year, I realized why most articles couldn’t help me. The problem is that even with the right strategies you can still fail to save money. You need to have the right systems in place and the right mindset.

In this guide, I’ll cover the best ways to save money — practical yet powerful steps you can take to start saving more. It won’t be easy but with hard work, I’m confident you’ll be able to save more money–even if you’re an impulsive spender.

Why Your Past Prevents You from Saving Money

Are you constantly thinking about your financial mistakes?

If so, these thoughts are holding you back from saving.

I get it, you wish you could go back in time to avoid your financial downfalls. But dwelling over your past will only rob you from your future. Instead, reflect on your mistakes and ask yourself what lessons you can learn from them.

It wasn’t easy for me to accept that I had accumulated thousands of dollars in credit card debt. Once I did, I started heading in the right direction. Embrace your past failures and use them as an opportunity to set new financial goals.

For example, after accepting that you’re thousands of dollars in debt create a plan to be debt free in a year or two. This way when you’ll be at peace even when you get negative thoughts about your finances. Now you can focus more time on saving and less on your past financial mistakes.

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How to Effortlessly Track Your Spending

Stop manually tracking your spending.

Leverage powerful analytic tools such as Personal Capital and these money management apps to do the work for you. This tool has worked for me and has kept me motivated to why I’m saving in the first place. Once you login to your Personal Capital dashboard, you’re able to view your net worth.

When I’d first signed up with Personal Capital, I had a negative net worth, but this motivated me to save more. With this tool, you can also view your spending patterns, expenses, and how much money you’re saving.

Use your net worth as your north star to saving more. Whenever you experience financial setbacks, view how far you’ve come along. Saving money is only half the battle, being consistent is the other half.

The Truth on Why You Keep Failing

Saving money isn’t sexy. If it was, wouldn’t everyone be doing it?

Some people are natural savers, but most are impulsive spenders. Instead of denying that you’re an impulsive spender, embrace it.

Don’t try to save 60 to 70% of your income if this means you’ll live a miserable life. Saving money isn’t a race but a marathon. You’re saving for retirement and for large purchases.

If you’re currently having a hard time saving, start spending more money on nice things. This may sound counterintuitive but hear me out. Wouldn’t it be better to save $200 each month for 12 months instead of $500 for 3 months?

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Most people run into trouble because they create budgets that set them up for failure. This system won’t work for those who are frugal, but chances are they don’t need help saving. This system is for those who can’t save money and need to be rewarded for their hard work.

Only because you’re buying nice things doesn’t mean that you’ll save less. Here are some rules you should have in place:

  1. Save more than 50% of your available money (after expenses)
  2. Only buy nice things after saving
  3. Automate your savings with automatic bank transfers

These are the same rules that helped me save thousands each year while buying the latest iPhone. Focus only on items that are important to you. Remember, you can afford anything but not everything.

How to Foolproof Yourself out of Debt

Personal finance is a game. On one end, you’re earning money; and on the to other, you’re saving. But what ends up counting in the end isn’t how much you earn but how much you save. Research shows that about 60% of Americans spend more than they save.[1]

So how can you separate yourself from the 60%?

By not accumulating more debt. This way you’ll have more money to save and avoid having more financial obligations. A great way to stop accumulating debt is using cash to pay for all your transactions.

This will be challenging, depending on how reliant you are with your credit card, but it’s worth the effort. Not only will you stop accruing debt, but you’ll also be more conscious with what you buy.

For example, you’ll think twice about purchasing a new $200 headphone despite having the cash to buy them. According to a poll conducted by The CreditCards.com, 5 out of 6 Americans are impulsive spenders.[2]

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Telling yourself that you’ll have the discipline to not buy things won’t cut it. This is equal to having junk food in your fridge while trying to eat healthy–it’s only a matter of time before you slip. By using cash to make your purchases, you’ll spend less and save more.

A Proven Formula to Skyrocket Your Savings

Having proven systems in place to help you save more is important, but they’re not the best way to save money.

You can search for dozens of ways to save money, but there’ll always be a limit. Instead of spending the majority of your effort saving, look for ways to increase your income. The truth is that once you have the right systems in place, saving is easy.

What’s challenging is earning more money. There are many routes you can take to achieve this. For example, you can work long and hard at your current job to earn a raise. But there’s one problem–you’re depending on someone else to give you a raise.

Your company will have to have the budget, and you’ll have to know how to toot your own horn to get this raise. This isn’t to say that earning a raise is impossible, but things are better when you’re in control right? That’s why building a side-hustle is the best way to increase your income.

Think of your side-hustle as a part-time job doing something you enjoy. You can sell items on eBay for a profit, or design websites for small businesses. Building a side-hustle will be on the hardest things you’ll do, be too stubborn to quit.

During the early stages, you won’t be making money and that’s okay. Since you already have a source of income, you won’t be dependent on your side-hustle to pay for your expenses. Depending on how much time you invest in your side-hustle, it can one day replace your current income.

Whatever route you take, focus more on earning and save as much as possible. You have more control than you give yourself credit for.

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Transform Yourself into a Saving Money Machine

Saving money isn’t complicated but it’s one of the hardest things you’ll do.

By learning from your mistakes and rewarding yourself after saving you’ll save more. What would you do with an extra $200 or $500 each month? To some, this is life-changing money that can improve the quality of their lives.

The truth is saving money is an art. Save too much and you’ll quit, but save too little and you’ll pay for the consequences in the future. Saving money takes effort and having the right systems in place.

Imagine if you’d started saving an extra $100 this next month? Or, saved $20K in one year? Although it’s hard to imagine, this can be your reality if you follow the principles covered in this guide.

Take a moment to brainstorm which goals you’d be able to reach if you had extra money each month. Use these goals as motivation to help you stay on track on your journey to saving more. If I was able to save thousands of dollars with little guidance, imagine what you’ll be able to do.

What are you waiting for? Go and start saving money, the sky is your limit.

Featured photo credit: rawpixel via unsplash.com

Reference

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