Ready, set, spend!

I know, the holidays are about family and good food. I’m all for that quality time and extra weight gain, what I’m not about is the added stress and the possible hike in my debt.

How many of us overextend to get through the holidays?

From outfits to gifts, to food preparation to the extra fancy wrapping paper that gets ripped up? It’s exhausting and mentally draining but we do it because we love our families…. right?

Or perhaps you’re trying to keep up with the Kardashian’s?

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No thanks, I’ll keep it simple and minimal this year. My goal for the 2018 holidays is to make it through the season without using any credit cards, for some that might seem like the simplest task and for others, like myself, it might be something that takes a great deal of effort.

My plan is to set a limit per person and set a budget in total. Sooo hard to do considering I have a child who is about to turn 18 and I desperately want to go nuts this holiday season!!!

Let me flip my perspective, I have a soon to be 18 year old who will be going off to college next year… hmmmm I think I’ll spend wisely.

Switch up your perspective and remember the true meaning of this holiday season.

Don’t overextend yourself. So much family, not enough time. It’s ok, those who love you get it and those who don’t, well, they don’t matter. (Truth)

Don’t overspend. Be realistic about your budget, don’t use your credit cards, in fact, take them out of your wallet right now! I know some credit cards offer enticing insensitive’s but if you don’t have the self-control or the ability to pay it right down, don’t do it. Trust me.

The people closest to you know your true financial situation, no one is expecting a Rolex or a car from you, it’s ok.

Our friends and family know we’re trying to purchase a home, they’re supporting us and I’m sure they would understand if our gifts weren’t extravagant this year, again, it should never be about that anyway.

At the end of the day, cherish the time spent and the memories made.

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Appreciate what you get and acknowledge that not everyone is riding the same financial wave.

Cheers to you and yours and may the holidays bring you love and happiness.

And if you’re truly lucky, what you’ve been asking Santa for all year! 😉

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