Decorating for Christmas While On a Budget

photo credit: lisatozzi

Are you one of the millions of Americans who loves to celebrate Christmas? When asked, the majority of individuals respond that Christmas is one of their favorite holidays, if not their favorite. If you love to celebrate Christmas, there is a good chance that you may be interested in decorating your home for Christmas. Unfortunately, as you likely already know, decorating your home can get quite expensive. However, if you want to decorate for Christmas, but you do not have an unlimited amount of money to do so, there are a number of ways that you can go about decorating for Christmas while on a budget.

Perhaps, the best ways to save money on Christmas directions is to decide ahead of time what you need. Unfortunately, a large number of shoppers, possibly just like you, have a difficult time with impulse buying. Impulse buying is when shoppers purchase an item as soon as they see it, an item that they may not have intended on purchasing. If you are shopping for Christmas decorations and you are on a limited budget, you are advised to not give into your impulse buying urges. That is why it is advised that you determine what you would like to buy ahead of time. If you are unsure exactly what you would like to buy, that is fine, but you may want to focus on which rooms that you want to decorate for Christmas and which rooms you do not. This will also make it easier for you eliminate unnecessary purchases.

Once you have decided which type of Christmas decorations that you would like to buy, you can then start shopping; however, it is important to remember your goal of saving money. Christmas decorations are nice, but you will not want to spend more money on decorations than you have. The less money you spend on Christmas decorations, the more money you will have to put towards a nice Christmas dinner or Christmas gifts. That is why it is important that you take where you are shopping, as well as when, into consideration.

If you are shopping for Christmas decorations on a budget, one of your first stops should be your local dollar store. While many individuals assume that the items sold within dollar stores are poor in quality, they aren’t always. In fact, around Christmastime, you could get some really nice Christmas decorations for a dollar or less. Depending on the dollar store you choose to shop at, you should be able to walk away with Christmas pictures, Christmas wall hangings for kids, Christmas tree decorations, Christmas lights, and even Christmas potholders for your kitchen. As previously mentioned, all of the items found inside a dollar store should be one dollar or less.

In addition to dollar stores, you may also want to check out your local discount stores. Discount tores, in most cases, are a cross between a convenient store and a department store. They tend to be somewhat small in size, but most dollar stores carry a wide variety of different products, including Christmas decorations. While the prices at discount stores will vary, you should be able to find beautiful Christmas decorations for fewer than five dollars each. Of course, there will always be items that cost more than five dollars, but you may be surprised with the selection of low-cost Christmas decorations that can be found at your local discount store.
Although there is a good chance that you may prefer to have brand new Christmas decorations, it might not always be possible. If you are looking for low-cost, but specialty Christmas decorations, you may want to try shopping on an online auction website. By carefully examining which items you choose to buy, you could walk away with Christmas decorations that are slightly used, but look new.

As previously mentioned, it is also important that you keep when you are shopping in mind. For the largest selection of Christmas decorations, you will want to shop early, but for the best prices, you may want to wait until it gets closer to Christmas. In the days leading up to Christmas, some retail stores offer discounts on their Christmas supplies, including decorations. In fact, right after Christmas many of these discounts reach up to seventy-five or ninety percent off. Although shopping right after Christmas won’t help you this year, but it may be able to help you decorate your home, at an affordable price, next year.

Organize Your Christmas Shopping

photo credit: Randy Son Of Robert

Grab a notebook. Grab a pen. It's time to get serious about your Christmas shopping by making your list (and checking it twice).

Make a list of the people you'll be buying for this year. Leave space between each person’s name. Now go back through the list and write down gift ideas and a rough dollar amount you’re willing to spend on each person.

Example:

1. Aunt Fran - Collects lighthouses, loves golf - $30.00

2. Beth - Candles, bath and body products - $20.00

3. Joe - Something for his new truck, loves fishing - $50.00

Bring your notebook shopping with you. It will help you to stay focused on who you need to shop for, a general idea of what you're looking for and your price range. Making a detailed list like this will prove invaluable in keeping you organized and on budget with your Christmas shopping. As you shop, cross off each person on your list. Be sure to keep an eye open for bargains and grab a few extra gifts - there's always that visitor that shows up that you didn't anticipate.

Set holiday shopping goals for yourself and jot them down in your notebook.

1. I will have all cards in the mail by December 10th.

2. All of my major shopping will be done by December 15th.

3. I will not go over budget!

Making lists and setting goals for yourself this holiday will save you time and stress and allow you to enjoy the season for what it really is. If you haven't started your shopping, start now. It's not too late to get on track. The first step is starting your notebook, making your list and getting a plan of action.

After the holidays, store your notebook away somewhere (perhaps with your decorations). It will serve as a great reference when you're ready to start your shopping next year.

Happy Holidays, Happy Shopping...and by keeping a Holiday Notebook - Happy You!

Money At Christmas - Surviving The Festive Period Without A New Year Financial Hangover

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Money always seems to be tight. Every year at Christmas the financial situation always seems to get worse. Increased electricity and heating bills to pay, expensive party food to purchase, presents to buy, travel costs to visit relatives, the list seems to be endless, while finances are certainly not. It is the season to be jolly, whilst trying to forget the long-term costs which will emerge in the New Year.

What can be done to reduce the New Year financial hangover?

Firstly, ensure your incoming finances are being maximised.

If you are in work, is there any part time or freelance work that you can do? Often jobs such as supermarket shelf stacking can be made to fit in around other commitments, while websites such as Dobiz ( http://www.dobiz.net ) have started springing up to get freelancers and businesses together. Selling on eBay or simply returning unwanted gifts can help recover some of your own expenditure.

If you are not working, then obtaining a job is the most important thing to do. Use the facilities that are available. The Jobcentre can provide some help, but it is frequently better to sign up with several agencies who specialise in your own area of expertise. A quick geographically based Google search will normally locate appropriate organisation in your area. As well as using specialist agencies, it is always a good idea to sign up to a couple of general agencies in order to get some form of temporary work, as these can often provide short or long term contracts to keep your finances above water, and they can be given up without much of a period of notice and they look better on a CV than a period without any work at all. If you need help with CV’s or interviews, then internet searches can provide many sites that will be able to help, like Capita ( http://www.capitapd.co.uk ) or Jobseekersadvice ( http://www.jobseekersadvice.com ).

Regardless of your employment situation, you also need to maximise the money you have already. If you are using store cards to make your purchases, don’t. Unless you always pay off the entire balance every month, you will be paying more than you have to. Store cards usually have a very high rate of interest, and you should be able to get a much better rate if you use a credit card. If you are using a credit card to make most of your purchases, what is the APR of that card, and could you get a better rate? Many credit cards currently offer introductory 0% transfer rates, and the increased competition to handle your finances is leading to lower APRs all round. If you have a loan, could you get a better deal? Are you getting the best return on your investments? Comparison websites like Moneynet ( http:www.//moneynet.co.uk ) or Fool ( http://www.fool.co.uk ) are there to enable you to check these details for free, quickly and easily, in order to make your money work for you.

The next thing to do is to try to reduce your outgoings. Budgeting is a good way to reduce costs. By highlighting how much your regular incoming and outgoings are, it is often easy to spot areas that can make huge differences. Most people find that instead of having very little money to spend each month, they are actually frittering away small amounts all the time. This pattern of small spending rapidly mounts up, and can leave little left over to spend on the things that you feel are really worthwhile. Keeping a daily record of your spending is a simple step to take but it can also show where important cuts can be made.

Other ways to reduce costs at Christmas include recycling last year’s decorations, only buying food that will be eaten, rather than obtaining large quantities that will end up being thrown away. Do most of your shopping online to save money on presents. Due to the lower costs of running a shop online, the price of goods can be considerably lower than in the High Street. Sites such as Kelkoo ( http://www.Kelkoo.co.uk ) and Pricerunner ( http://www.pricerunner.co.uk ) enable you to compare prices from various suppliers and find the cheapest. Even if you prefer to buy on the High Street it can still be worth going armed with prices from these sites as many High Street shops will discount if they know they are beaten on price.

If you don’t win the lottery in the New Year and still feel that things have got out of control then you need to seek advice from one of the free advice organisations that are set up to help. The National Debtline ( http://www.nationaldebtline.co.uk ) and the Foundation for Credit Counselling ( http://www.cccs.co.uk ) are two non-profit making charities that can help with guides and free personal advice.

Regardless of whether you are trying not to shed those few extra pounds, or recover from debt problems, a few small actions like this can make a large difference to your New Year.

Disclaimer:
All information contained in this article, is for general information purposes only and should not be construed as advice under the Financial Services Act 1986.

You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts.

How Not To Blow Your Budget This Christmas

photo credit: WTL photos

Every year thousands of families make a fresh decision to start living by a budget. They set up accounts on their home computer, begin to track everything they spend and set limits designed to help them save more and spend less.

Gwen Mathews is the Mother/Chief Accountant in one of these new budget conscious families. She and her husband Pete set up some ambitious financial plans with the goal of paying off their credit card debt. They split their family income up into categories and were doing just great. That is until the holiday season came along.

As Gwen scanned the family Christmas list she realized that the ‘gift giving category’ her and Pete had agreed to early in the year wasn’t going to cut it.

Pete, Gwen and their three children sat down after dinner that night and laid out the situation. Christmas was a month away and the budget was clearly not going to buy the family the kind of presents that they were used to. They needed to make some decision together as a family. What did they want more? Expensive Christmas gifts or a shrunken credit card balance?

The secret to keeping a budget during the holidays is to:

A. Have a clear vision of your priorities. Remind yourself and your entire family of the reasons you had for getting on a budget in the first place.

B. Make a complete gift shopping list and then prioritize it according to your relationship with that person. Immediate family comes first, extended family, friends, co-workers, etc. Start at the bottom and cross off any names that absolutely don’t need to be there – then assign a portion of your budget to each of the remaining names.

C. Get creative with your gift giving. A day in the kitchen with the oven at 350 degrees will take care of a lot of people on your shopping list. A plate of home made Christmas cookies is a welcome and touching gift.

D. Give up keeping up with the neighbors. The surest path to a blown budget is to start comparing what you’re doing with what someone else is doing. Remember, they’ll likely be crying come January.

E. Don’t start shopping too early. Many a Mom has spent their entire holiday budget before Thanksgiving thinking she’s a smart cookie to get it all out of the way. Then the Christmas sales kick in and she’s kicking herself and thinking ‘Well I can spend just a little bit more can’t I?”.

F. Final rule: No impulse buying. If someone gives you an unexpected gift, it doesn’t mean you have to run out and buy them something – that’s what 'Thank You' is for.

By keeping their goals in mind and recruiting the support of their children, Pete and Gwen survived the holidays within their budget. As their gift to each other they wrote an extra payment to the credit card company. If they keep that up, they’ll be celebrating a debt free Christmas next year.

Low-Cost Christmas Decorations

photo credit: laffy4k

Are you planning on decorating your home for Christmas this year? If so, have you completed the first step? When it comes to decorating for Christmas, the first step is getting the decorations. Unfortunately, in today’s world, many families are finding it difficult to afford “extras,” including Christmas decorations. However, there is good news. If you are on a budget, there are still a number of different ways that you can get your home decorated for Christmas. You can do so with low-cost Christmas decorations.

When it comes to low-cost Christmas decorations, it is important to remember that different people associate low-cost with different things. Just because you think a particular Christmas decoration is low-cost doesn’t necessarily mean that someone else will. For some individuals, a low-cost Christmas decoration is an item that only costs one dollar, for others it is five, and for others it can be fifty dollars. That is why it is important, when looking for low-cost Christmas decorations, that you keep this in mind. However, no matter what your view of low-cost is, there are still a number of different ways that you can go about decorating for Christmas.

Perhaps, the easiest way to save money while decorating for Christmas is to not buy any Christmas decorations. If you decorated your home for Christmas last year or in recent years, did you save your old Christmas decorations? If you did save your old Christmas decorations, you may want to think about using them again this year. Although it may be nice to have brand new Christmas decorations, they are not required. Not only can you save money by using your old Christmas decorations, but you might not have to spend any extra money at all!

In addition to using your own used Christmas decorations, you may want to think about using other people’s old Christmas decorations. During the summer and sometimes during the early fall, you may be able find local yard sales. Yard sales are a great place to get used Christmas decorations for an affordable price. If you are unable to find a yard sale, you can also purchase used Christmas decorations online. You can easily find a collection of used and sometimes even deeply discounted new Christmas decorations by doing your shopping on an online auction website.

Although you can save a fairly large amount of money by buying used Christmas decorations, as previously mentioned, there is a good chance that you want new ones. If this is the case, you still have a number of different options. You should check your local dollar stores, discount stores, and even department stores. Many of these stores, around Christmastime, have a large selection of Christmas decorations, at an affordable price. If you are looking to save the most money, it may be a good idea to visit your local dollar stores. Some dollar stores sell really nice Christmas decorations for a dollar and sometimes even less.

It might even be possible for you to make your own Christmas decorations, with items that you already have inside your house. In fact, this is how you can turn your old Christmas decorations into new ones. Simply by altering your existing decorations in one way or another, for instance by adding a bow, you could make your old Christmas decorations like new. You can also take a simple candleholder and turn it into a Christmas candleholder with a little bit of creativity. The same can be said for a number of other items that you likely already have inside your home. This is another way that you could avoid spending any money on Christmas decorations.

As you can easily see, there are a number of different ways that you can go about finding or making your own low-cost Christmas directions. Although you may be worried about the quality of those decorations, you shouldn’t be. Most times, it isn’t necessarily about the Christmas decorations themselves, but they way that they are presented or arranged.