Holidays

Don’t be Scrooge: How to Set Up a Christmas Budget That Works

‘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.

set up a Christmas budget title

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.

credit cary paying for Christmas expenses

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.

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Declutter before Christmas

The holidays are coming, and it is the perfect time to declutter before Christmas. Out with the old and in with the new!

Any holiday that means gifts are coming into your house is a great time to assess what you have and what you don’t need anymore.

If you are like me, being asked what you or your children want for Christmas queues anxiety to kick in. My immediate thoughts are, what could any of us possibly need, and more importantly, where will I put all the “stuff.”

I know, I know, gift gifting at Christmas isn’t really about what we need, but what we want or what would be fun. As a person who wants to simplify her life and home, acquiring more “stuff” is the opposite of what I want.

4 things to declutter before Christmas

I know it’s not fair to my children to put my values on them. Plus both of my daughters LOVE their “stuff” and think of it all as treasures. Yes, even the ridiculous McDonald’s toys are treasured by both of them.

There is a way to find a happy medium and keep my anxiety in check – at least a little bit.

4 Things to Declutter Before Christmas

  1. Toys

Big shocker to see this one on the list. You know that new toys will be coming into your house, so it’s the perfect time to declutter toys. Have your children go through their toys and make some decisions on what they want to donate. If you have children like mine, who treasure everything, be sure to check out, “How to help a pack-rat get organized.” The tips will work great for decluttering with your children.

toy declutter before Christmas

When we declutter toys, we have the girls decide which ones they don’t play with any more. Toys that are being decluttered will be donated, sold (they get to keep the money), or put away in storage for future grandchildren. Only our absolute favorites are put away for future grandchildren and then kept in the attic.

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Deals After Christmas

Remember those great deals after Halloween. Well, they are back and even better. Now it is time for the deals after Christmas.

Halloween tends to be the preview of what is to come, but there are usually a lot more deals after Christmas.

If you have leftover money from your current year Christmas budget, you can use that to stock up on holiday products for next year. Maybe you have already set up your Christmas budget for the coming year. If you make purchases now for next year, you can easily deduct them from that budget and document what you bought. I guarantee in 11 months you’ll have forgotten what you bought.  We did this last year with LED lights for outside and containers for cookie gift giving. What a great surprise when I discovered the new items we had and that was already paid for and part of the budget!

The best deals after Christmas

So let’s talk deals and what you should be on the lookout for.

The discounts will start right away on December 26. Some stores will be busy with lots of people out seeking these discounts, but they will be more crowded at customer service with returns. (side note: if you have a return try to do it when the store is least busy and definitely not on December 26. Nothing says your return must be done the day after you receive it)

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How to Simplify the Holidays

It’s beginning to look a lot like Christmas!

Did you sing that? You should have.  Singing it immediately puts me into the holiday spirit.

I know, I can hardly believe it is already the holidays, but it is.

Do you ever feel exhausted and overwhelmed during and after the holidays?

Do you resent making cookies?

Then don’t.

Do you hate spending time and money figuring out and sending Christmas cards?

Then don’t.

Make this the year you take back Christmas (reference to Bad Moms 2= hilarious)

Last time I checked, Christmas was about celebrating Christ’s birth (even though he wasn’t born in December but off topic)

Don’t let the “I should’s” take control this Christmas.

Who cares what you should do? And seriously who says you should?

simplify the holidays

I am giving you permission to say NO.

Of course, this doesn’t mean you can say no to everything because if you have kids, there are probably some things they want to do that you may not be interested in. There are times we have to sacrifice for our kids, but along with that, kids don’t need to get everything they want.

I’m betting as a kid you didn’t get to do everything you wanted either. Remember we’re raising kids who know disappointment and know how to deal with it.

You can simplify the holidays and it’s quite simple.

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