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I Wish I Knew These Low-cost Christmas Tricks Earlier

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.

            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 April 3, 2019

            How to Nix Your Credit Card Debt in Less Than 3 Years

            How to Nix Your Credit Card Debt in Less Than 3 Years

            Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

            By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

            This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

            Hint: there are ways that are easier than you think.

            1. Consider Consolidating Multiple Credit Cards If Possible

            This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

            It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

            Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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            Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

            My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

            Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

            2. Try to Pay the Full Balance You Spent Each Month at the Very Least

            You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

            Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

            If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

            3. Pay Extra When You Can – Every Small Amount Counts

            This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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            It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

            4. Create a Plan on How to Pay Extra

            Back to the main point, having this plan is giving you one less thing to think about.

            This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

            For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

            Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

            5. Cut out Costs for Services You Do Not Use

            If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

            In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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            6. Get Aggressive About It

            Consider these points:

            Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

            Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

            Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

            Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

            7. Reevaluate Your Progress at Set Intervals

            Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

            By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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            Finally (and most importantly)…

            8. Keep Trying

            Do not get discouraged. Pushing it off will make it worse. Just keep trying.

            Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

            Start Knocking out Your Debt Today

            The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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            Featured photo credit: Pexels via pexels.com

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