15 Dec One Easy Christmas Saving Hack You Need To Know
All of the money seem to be getting out of your pocket during the holidays. People love shopping, gift-giving, and receiving presents! (Who doesn’t, anyway?!) It’s easy to overspend during this season and more often than not, people tend to destroy their budget and mismanage their finances. Is it still going to be the most wonderful time of the year if you are drowned in debt at the end of the day? I have one, simple saving tip for you and it involves you buying a present for your loved one AND at the same time, gifting yourself.
The ultimate Christmas saving hack you need to know
Yes, it’s possible! You can grant your mum, dad, or your sibling’s wish list and reward yourself on the side. It’s a win-win situation. After creating a list of all the people you are going to give presents to, the idea is to set a budget for all of your gift-giving. Then, determine a budget for each of the people on your list. Now, here’s a smart Christmas saving hack: For every gift you buy, save a percentage of the cost. Buying your mom her favourite Kitchen knives’ set for $200? Allot 10% of that in a savings account.
Motley Fool, a Virginia-based financial services company came up with the following rule:
“Inundated by these opportunities to spend, skew the act of spending to your favour. So you want to buy those new boots? Match that spending with an equal contribution to your down payment.
Sometimes the pain of doubling a cost is enough to deter a purchase. In the case you still choose to spend, the matched contribution ensures you’re at the very least taking measures to save.”
In the context of gift-giving, not only you’re able to purchase a present for your loved one, you were also able to save a portion for your savings. This smart hack actually encourages you to be more in control of your budget. You can actually apply this rule to your future spending. Better yet, start 2017 with this finance mindset. You can use this savings to pay off your credit card debt or additional amount to your mortgage payment!
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