‘Tis the season to be jolly, Fa la la la la, la la la.” It is, right? If you don’t have money set aside for Christmas spending, the holidays are NOT quite as jolly.
A LOT of money is spent this time of year.
Gifts for everyone on your list.
Buying Christmas cards.
Stamps to mail Christmas cards. Does anyone remember when a stamp was $0.25?
Ingredients for all the baking you want to do.
Food for dishes to pass for every party or family gathering you are attending.
Donations – it seems everyone wants a little bit of your money this time of year. The guilt I have every time I walk by a Salvation Army bell ringer (I promise I give, but not every time I walk by) or say no to rounding up on my bill at a store.
Eating out more because you have less time at home to cook. You’re spending more time tracking down gifts for everyone on your list.
Is there any limit to the spending we do in November and December?
There can be, and the answer is simple . . . A Christmas budget.
Oh boy, there’s that Big Bad B word again that I love to use so much.
Honestly, though instead of being restrictive, a Christmas budget can be freeing. It allows you to spend money and enjoy doing so.
Follow my simple “steps” for how to set up a Christmas budget, and you’ll be singing Christmas carols right along with me all season next year.