Spend Within Your Means This Christmas
Christmas would not be a festive season for many people if they dont have the necessary
funds to buy food for their celebration and buy presents for their loved ones. Lets face it, a lot of people are used to the tradition of celebrating with their families during the holidays. But although this tradition is hard to break, it should not be understood as having the freedom to spend on whatever you like whenever you feel like it. At this time when the economies around the world are still recovering from the financial crisis, it is still an admirable trait to be able to live within ones means.
The call for the day is to spend only on what you can afford. Just imagine yourself being in a situation where you buy several expensive but unimportant things and then you realize how huge your bill is. Worse, you made those purchases using your credit card. The next thing you know, youre worried about how you can pay your bill and the charges that will be imposed should you fail to pay on time or miss out on your payments. If this situation goes on for a long time, chances are you will never be free from worries. So the best way to lead a life free from debt and worry is to spend wisely. If theres something you want to buy but costs way beyond what you can afford, then find an alternative. Or better yet, save first and then buy later when you already have the right amount of money. Dont buy on impulse because this attitude is what often gives people their financial woes. In other words, think twice before making a financial decision especially when it concerns purchasing products.
The Christmas season, however, can be one good reason to spend more than usual. But again, being a wise spender is the call of the season. People are buying food and gift items for their loved ones so many will surely be incurring extra expenses. Heres what you can do then to minimize your spending. If youre used to buying the more expensive items in the previous years, try to find alternatives this year. Be resourceful and creative.
Remember its the thought that comes with gift giving thats far more important than the material item itself. So dont think that if youre giving your mum, a sibling or a friend a cheaper gift this year, they will not like it. Many people today are aware of whats happening around them. They know about the financial crisis and the thousands of jobs that have been cut down by many major companies worldwide. They know that not everybody has a lot of money to spend for their Christmas gifts.
In case of emergency or youre really short of cash, one of the options available for securing fast money is by applying for a payday or cash advance loan. Avoid utilizing the cash advance feature of your credit card if you can because of the high fees involved. A short term or payday loan is more affordable as long as you pay it back on time. So be wise and be responsible for the money you borrowed.
by: Shanon Foster
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