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I Wish I Knew These Low-cost Christmas Tricks Earlier

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I Wish I Knew These Low-cost Christmas Tricks Earlier

Ho, ho, ho—the jolly holiday season is upon us! Christmas is slowly nearing and everyone is getting excited about the biggest holiday of the year. Now, we’ve become a very consumer-oriented culture, one where everyone is expected to spend tons of money on everything from gifts and decorations, to Christmas cards and even specific types of candy, but not everyone can afford to spend lots of their hard-earned money. We all want to enjoy the holidays, prepare cool gifts for our family and bring about some of that Christmas spirit—it’s just that a lot of us need a more cost-effective way of doing these things. Well, being that it is the season of giving and sharing, let me share with you some great tricks for having the perfect Christmas experience on a very tight budget.

1. Have everyone help out with the cleaning and decorating.

Christmas decoration

    The best way to create a fun holiday atmosphere is to get the whole family involved in the preparation. Get the kids and parents involved, and if you’re living the single life and spending Christmas away from home you can have friends over to help you decorate. It is a fun bonding experience and it helps make things easier. Serve some snacks, cookies and drinks for the hard-working helpers and play some fun games when the work is done.

    1. Organize a fun photo session.

    In this day and age you don’t even really need a professional photographer to capture great family moments—everyone has a camera on their phone, and there’s at least one decent digital camera in most households. There are plenty of benefits to having regular family photo sessions about once a year around the holidays, and you can have tons of fun dressing up and snapping creative photos. You can later pick out the best ones, print them out and create some cheap, yet cool-looking decorations. There’s plenty of room for some creative photo editing and DIY frames, which will make the photos really stand out.

    2. Get creative with homemade Christmas cards and envelopes.

    You can get an assortment of different color envelopes and blank cards, or even just get plain white ones and spice them up yourself. You can color them, use markers, glue on small items like Christmas tree branches or colorful fabrics and ribbons, use snowflake cutouts, apply glitter, use buttons or pictures, and so on.

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    Make tree ornaments and decorations from everyday objects.

    pinecones

      When it comes to Christmas decorations, you can make some incredibly interesting things from simple everyday objects. All it takes is a few basic items, some creativity and a bit of work.

      1. Old t-shirt wreath

      Finally, there’s a use for those old shirts, t-shirts and assorted rags—cut them up into strips and you can braid a colorful wreath.

      2. Toilet paper roll crafts

      From calendars to figurines and lovely stars for your Christmas tree, with a bunch of toilet paper rolls and a few other materials you have lying around, you can create a variety of amazing crafts virtually for free.

      3. Unique homemade candle holders

      Some candlelight really helps set the mood during that holiest of nights, and what better way to enhance the atmosphere than with some great candle holders that are cheap and fairly easy to make.

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      4. Pinecone decorations

      You can color them green and set them upside down to create a mini-Christmas tree ornament, use them as window dressing, create wreaths out of them, and much more.

      5. DIY snow globe

      This will require a bit more skill and dedication, but it definitely pays off, as these can be used as either ornaments or cool gifts.

      Cheap and fun Christmas snacks

      Next up, you want to make sure that there are plenty of snacks around Christmas, so that everyone can enjoy themselves and have a nibble every now and then. Here are a few great snacks that won’t cost much to prepare:

      1. Healthy and delicious cereal

      You can combine some corn flakes, oats, dehydrated fruit, walnuts, almonds, pumpkin and sunflower seeds, and mix it all up in mason jars to get a very healthy instant breakfast cereal. Add a little bow and a card with the name of each family member and friend and give them out as a surprise when people come over. You can even make this a part of a nice holiday gift basket.

      2. Gingerbread house with all sorts of sweets

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      Gingerbread house

        Making a gingerbread house can be a very fun family activity, as well as a beautiful decoration and, of course, a tasty treat. You can choose from plenty of great templates and create your ultimate gingerbread house. Go wild with the decorations, adding candy canes, M&M’s and all kinds of different sweets.

        3. Personalized homemade chocolate bars

        Get some tasty chocolate, I would recommend dark chocolate, melt it in a pot, and add some additional ingredients like chopped nuts, cherries or raisins. Pour the mix into a mold that you can get for cheap online, and use aluminum foil and decorative paper to wrap up the chocolate. Use a strip of craft paper to write the name of your special chocolate and list the ingredients.

        4. Great DIY gifts

        So, we’ve covered some fun holiday activities, cool decorations and great snacks, some of which can make excellent gifts, but let’s look at a few more unique DIY gift ideas that your friends and family will appreciate:

        5. Knitted or felt smartphone/tablet case

        If you have some knitting skills you can sit down and make several fun and practical cases for smartphones or tablets, which will make excellent gifts for virtually anyone you know. Here are some patterns you can use. You can also make adorable felt covers which you can customize with some felt flowers and similar decorations.

        6. Recipe binder and book of memories combo

        Every family has that mom or granny who know hundreds of delicious recipes and gives the food her own personal touch. Sit them down and have them tell you these coveted family recipes, so you can write them down. You can have one page of your recipe binder feature the recipe, while the page next to it can have a comment or picture that brings everyone back to a special moment—like a picture of a young grandma presenting her first Christmas dinner or your little brother with his face smeared in chocolate from mom’s cake. Make sure to make a lovely cover for the book as well.

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        7. Fun Christmas-themed pillows

        Christmas pillow

          Another one that requires some skill, a set of unique pillows can be made with a very small investment – mostly time and effort. There are plenty of things you can sew in—like snowmen, Christmas trees, reindeer, write out names or messages and so on. Even if you can’t really sew, you can still make some nice decorative pillows using Sharpies and a steady hand.

          8. Stuffed toys

          When you have smaller kids, a stuffed toy is always a safe bet—they also make lovely gifts for your significant other, and the fact that they were made by hand only adds emotional value. You can find a few good ideas online to spark your imagination, but don’t be afraid to experiment—even if it takes a few tries to get right, you’ll work will pay off when you see someone’s face light up as they hold the toy in their hands.

          9. DIY pet toys

          doggy toy

            An excellent choice for people with pets are some creative pet toys and treats for dog owners or a nice scratch post for cat owners. You won’t have to spend much money, but you will still be able to make some durable and clever items that pet owners will really appreciate.

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            10. Special Moment Wall Clock

            A simple board and a picture of a very special moment, with a meaningful inscription, and a basic clockwork mechanism is all that you will need for this heartfelt gift. Here is a useful guide on how to print out images on tissue paper that you will use on your decoupage clock.

            With Christmas just around the corner, it’s never too late to start preparing, decorating and crafting gifts for your friends and family. I wish I had known some of these great low-cost tricks much earlier—I could have saved quite a bit of money, while at the same time making much more personal and meaningful gifts and decorations.

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            Ivan Dimitrijevic

            Ivan is the CEO and founder of a digital marketing company. He has years of experiences in team management, entrepreneurship and productivity.

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            Last Updated on July 20, 2021

            Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

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            Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

            Have you ever considered your life now, and how it would be if you had more time to spend with your family and less worries about money?

            Nowadays, financial stress is one of the most troublesome weights in life. If you’ve ever encountered financial stress, you know the difficulty of not having enough income to pay your obligations or bills.

            Many people say that money is not the ultimate goal of life. While that’s true, money certainly plays a very significant role. The meaning of financial freedom changes with the different phases of our life, but ultimately, it is something that many people strive for.

            In this article, we’ll explain how to capture that financial freedom you’ve been looking for. Read on to learn the secrets to financial freedom.

            Break Free of Your Finances

            Financial freedom is about having a constant flow of cash from your assets to cover all your regular needs.

            When you are not worried about your income, or living paycheck to paycheck, you gain a great sense of freedom. It’s the freedom to be obtain and do what you truly need to make your way through everyday life.

            Gaining financial freedom, though, is a process of growth, making small improvements and gaining emotional strength.

            Though it seems hard to believe, it is really very simple to get financial freedom.

            To do so, you simply need to make sure that your assets exceed your liabilities. In other words, you’ll need to find the sweet-spot where your residuals meet or surpass your expenses. This is something that you can achieve with the proper plan.

            While not every person will accomplish financial freedom, the potential for anyone to do so is certainly there. Anyone can achieve this success, regardless of their income level.

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            Outlined below are 9 secrets that will help you in your goals of achieving financial freedom.

            1. Stop Unnecessary Spending

            We often spend money inwardly, instead of objectively.

            For example, you may spend when you’re anxious, depressed, restless, exhausted, from fear of missing out, or to please others. This is a very unhealthy way to handle your finances.

            To stop this habitual spending, log down all your spending over the course of a month.

            Just as some people keep a food diary, keep an expense diary. Remember not to just write down how much and what you spent the money on, also include the circumstances of why you spent the money. Was it an impulse buy at the checkout line or was it something you planned to purchase?

            This increased self-awareness could enable you to avoid triggering situations in the future when you are considering an impulse buy.

            2. Plan a Monthly Budget

            This is a great opportunity to get serious.

            Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses. You are never again going to spend more cash then you have on hand.

            Overspending is the thing that led you to more financial obligations. Make sure you decide every month what is coming in and what will be going out and stick to that budget… no matter what.

            3. Cut-up Credit Cards

            Perhaps you are the type of person who always pays your credit card balance in full before the end of your billing cycle, and enjoys the reward points you gain. If this is the case, then you’re already way ahead of the game.

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            If not, you may want to consider ridding your life of the burden that credit cards bring.

            Many cards have strategies set up so that if you make a certain number of late payments, they will raise your interest rate much higher. This can really add up in the long run and you won’t be doing your financial situation any favors. If you’re prone to late payments or have a large balance due on your cards, cut them up!

            Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit for all future purchases (and don’t forget to pay at least your minimum payment on your cut-up cards each month!).

            4. Increase Savings

            There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life.

            It’s good practice to save up to 15% of your income.

            Start with your workplace 401(k), if you have one. If not, a Roth IRA (if you are eligible) or a traditional IRA (if you are not eligible for the Roth) are the next logical steps.

            Increase in longevity means you might be able to look forward to 25 to 30 years in retirement, or possibly even significantly more. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working. [1]

            5. Invest Wisely

            Consider investing in funds.

            Specifically, you will gain higher returns if you invest in different types of mutual funds such as Debt funds, Equity funds and Hybrid funds with a proper balance, although it absolutely relies on your personal preferences and sense of risk taking.

            To get the most of these benefits, make sure you are investing in a variety of assets. Another resource of investing in mutual funds is SIP (Systematic Investment Plan) where you invest some money every month in funds. SIP works by averaging the per unit price of the stock.

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            Mutual fund investors are aware of the benefits of an SIP (Systematic Investment Plan). For one, it is the most secure way to invest in equity mutual plans so that wealth is created over a long period of time. This plan also helps you to gain a better sense of financial discipline, which will come in handy in all your financial endeavors.

            6. Invest in Gold

            There isn’t really a better way to invest in gold than to have the physical gold itself in your possession.

            You can purchase gold coins and bars from mints as well as from coin dealers and other private sellers.

            Another way to invest in gold is through ETFs (Exchange Traded Funds).

            These are is similar to mutual funds but they are exclusively investments of gold. ETFs are great because they offer more liquidity; the ETF owns the actual physical gold, stores it, and retains the value of the shares. These shares can then be bought and sold in the stock market, and one big benefit is that the transaction costs of gold ETFs are much lower than the that of physical gold.

            With its consistently-increasing demand, investment in gold can be very wise long-term investment to make.

            7. Stash Emergency Funds

            Whether it’s a cash gift or a work bonus, always try to save any extra money that comes your way rather than making unneeded purchases.

            If you get paid every other week, you’ll get an “extra” paycheck (three rather than the usual two) twice a year. Either save those paychecks towards your emergency funds or utilize the money to pay down other obligations, such as loans, credit cards or other debts.

            Make it hard to get your cash.

            Put your savings in an alternate bank, maybe an online bank that forces you to delay for several business days before transferred money hits your regular bank account.

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            8. Find Fabulous Mentors

            Find a mentor, such as a friend or family member, who has exceptional control over their finances and pay attention to everything they do.

            If you do not have any friends or family that are enjoying financial freedom, then find a mentor online! There are numerous blogs and guru websites featuring the advice of many people who have reached financial freedom, and they exist primarily to let you in on how to achieve it for yourself.

            There are also plentiful forums available that share tips and tricks on how to best achieve financial freedom. Read as much as you can and start changing your habits for the better.

            9. Be Extra Patient

            Patience is the key of financial success.

            Being patient can be quite tough, especially when you’re struggling with your finances, but having faith is worth it. You’ll continuously be on the right track if you are taking the proper steps above.

            So don’t be discouraged, even if you are only saving a few dollars a month; it all adds up. Within just a few years you’ll look back proudly at your accomplishments and be glad that you had the patience to get there.

            Financial Freedom for All

            Anyone can achieve financial freedom, regardless of their financial circumstance.

            Use the tips provided above to get yourself on the track to financial freedom and toss your monetary concerns out the window. If you wish to achieve a life with financial freedom for yourself and your family then you must adopt a disciplined approach towards your finances.

            Following the simple secrets above is a great start to making your money work for you, so you can work less and live more!

            Featured photo credit: rawpixel via unsplash.com

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            Reference

            [1] Hartford Gold Group: IRA Retirement Accounts

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