Last Minute Christmas Budget 🎄(+ free printable!)
Who waits until the last minute to do their Christmas shopping? 🙋🏻♀️🙋🏻♀️🙋🏻♀️ hint: I do! If you’re like me, your credit card will be as full as your stomach was on Thanksgiving. If you want to get serious with your Christmas budget, follow these 4 steps to avoid a holiday spending hangover:
1. include everyone
Before you set out to the store, write down everyone you need to buy for. And yes, I do mean everyone. Even if it seems like a small dollar amount, it is imperative you put the name down because small gifts add up. You may totally forget about your cousins's sister-in-law who you really love and want to buy a gift for. Taking 15 minutes to write down a list of everyone you need gifts for can save you tremendous time, energy, and money.
2. ASSIGN A DOLLAR AMOUNT
After you down your names, assign each individual a dollar amount for their Christmas gift. This can seem a little yucky to do at first but it will pay off in the end. If you stick to a certain dollar amount for your children, significant other, and parents, you will not be shocked by the amount of money you have spent come New Year's. You may even avoid the "spend less money item" as a resolution! Do yourself a favor and assign a dollar amount.
3. LEAVE THE STORE!
Once you have your name and dollar amount tied down, head to the store to pick up items that fit the monetary amount assigned. The true trick is LEAVING the store once you have what you came for. It is inevitable that you will see something you will be tempted to buy or think this small gift “would be just perfect for someone you know!” This is why you need to write down everyone so you can avoid impulse purchases. Forcing yourself to leave will keep you on track and happy once the season is over.
4. GIVE OF YOURSELF
Finally, if you simply cannot afford to give gifts this year, there are so many other ways to give back this Christmas season. Your community is full of opportunities to spread Christmas cheer instead of money you don't have. Giving of yourself puts your own financial problems in perspective and helps you see that it isn't all about the dough.
5. Free printable :)
We created a free printable for you! If you want to stay on track this year, fill out your information below for your emailed printable: