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A few years ago, in 2010 to be precise, my husband and I paid off our debt. We officially have no debts! !
feels good.We have passed a lot of Effort and sacrifice. We have done everything we can to save debt.
A few months later, the holidays came again. Now, some people may think we are crazy to celebrate, but this is not the case.
We still set a budget. We saved it. But the interesting thing is that it also allows us to splurge too!
Our family worked together to pay off our bills. We sacrificed to eat out. We have no vacations.
I cut the coupon. My husband and I sold the item.
This is a great sacrifice, but it is well worth it. We have achieved our goal.
And we want to celebrate.
We decided to have some extra fun on the first Christmas. Moreover, the knowledge of it enables us to do what we want.
Much less
We tell our children that they will only get 2 gifts under their parents’ trees. In this way, we can spend more money on large items during Christmas.
They did not miss the opportunity to open more gifts. In fact, they didn’t even notice that there was less.
pragmatic
The gifts and other gifts we give to children are needed. There are pajamas under the tree, and grandma’s new coat.
By including the items you need, focus on adding more gifts so that more money in your holiday budget can be spent on fun things!
Long-term preservation
Once our debts are paid off in full, we will have more money left every month. We have no flowers. We saved it.
For example, our car payment is more than US$300 per month. We did not increase food expenditure or eat out. Instead, we paid.
Moreover, we continued to use our savings method in the store. We used the same budget method to get rid of debt. But instead of sending money to creditors, We paid.
We can save hundreds of dollars every month. Then, when the holidays come, we have more money to spend on the extra things we want.
Use budget
Holidays still need your budget. You need to be sure. You follow it. Budget for large items and find a way to make numbers work.
This is exactly what we did. We have a budget. We knew that we wanted to buy a video game system for our children for about $200.
For them, a single item is a lot of money. We just adjusted some expenditures and found cheaper items that are used in conjunction with the gaming platform.
Whatever you do, don’t spend more money than bank deposits or savings. Never owe debts to pay for holidays.
Remember the reason of the season
Holidays are easily attracted by “things”. However, this is not important.
Family and friends are the focus. If you can’t splurge, then don’t. In any case, your child or spouse will love you.
What they need most is to know that you are there and that you have the opportunity to get together to celebrate the warmth of this season.
Focus on tradition. This might mean matching PJ the night before, reading “Christmas Stories” before going to bed, or eating Kung Pao Chicken for lunch on Christmas Day.
Holidays are more than just a waste and spending money. Never forget.
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