Late Thanksgiving Day recently joined Black Friday and Cyber Monday as
part of the early buying frenzy for the holidays. As November dawns,
holiday advertising is already appearing online, on television, and in
print.
Before getting caught up in the commercialism of the
season, take time to remember the true meaning of the holidays. They
represent a time for rest, reflection, and joy.
Personal Finance
author, Mary Hunt offers, an excellent balance between meaning and
merchandise in her book, "Debt-Proof Your Christmas," developed out of
her own story of incurring holiday shopping debt more than 20 years ago.
Hunt
acknowledges that there is no one-size-fits-all solution to celebrating
the holidays, as she shows readers how to have an all-cash Christmas
and avoid the bills that soon follow in January. Gift giving, holiday
entertaining, and dressing the house are among the many topics she
covers.
It's imperative that you prepare and plan for the
holidays to avoid accumulating seasonal debt. The best separator to
deter becoming emotionally overdrawn into the holidays is time. "While
you are not involved emotionally is the time you can think the most
rationally."
Hunt's noteworthy holiday-celebrating thoughts include:
Attitude.
"How you celebrate and how you pay for Christmas holidays are
completely in your control if you make that choice," Hunt says.
Courage.
You may be single, a childless couple, or financially challenged, and
part of a large family, expected to buy gifts for every relative. The
solution is to develop courage to give as you want, not out of guilt or
expectation. Spend what you can on what you desire, not what others say
you must. Get creative with gift giving.
Cash in envelopes. Set
an amount you'll spend on each gift recipient, and place that cash in an
envelope. When the money's gone it's gone and so is gift buying for
that person.
Use cash and you'll be a more disciplined shopper, compelled to find the best bargains.
Gift
cards. The surge in gift card giving in recent years prompts Hunt to
emphasize that they're not the same as cash, but instead, specific store
credit subject to that store's rules and policies. Hunt's gift-card
giving advice includes:
Give a gift card when it tops the recipient's wish list, not out of your own convenience.
Realize that many gift cards start losing value as soon as six months after activation.
Avoid giving gift cards to children, because they're too abstract. Give cash instead.
Article Source: http://EzineArticles.com/8099274
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