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5 Ways to Save Money This Holiday Season (Without Disappointing Anyone)

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So, the holidays and all the cheerful “requirements” that come with it, from gift-giving for dozens of people to taking time off work, can just add another layer of stress in a season meant for joy and relaxation. Exhausted Americans are saying enough to the holiday extras. It’s time to have the talk and not feel bad about it.

Holidays 325
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5 Smart Money Hacks to Help You Budget for the Holidays

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With the economy making everyone extra cautious about spending , I really wanted to give myself the gift of not worrying about money this holiday season. How can anyone on a budget relax about money during the holidays? So, how can we enjoy the holidays without stressing about the inevitable dent they’ll leave in our savings?

Budget 328
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3 Ways to Avoid Overspending During the Holidays

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In the early years of our marriage, the holidays used to throw a wrench in our financial plans. Once the holiday-themed marketing campaigns started, we would be bombarded with messages that we needed more stuff and the fact that we already had one didn’t matter. And then November would roll around. Start with a Percentage.

Holidays 264
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Laid-Off or Let Go? Here Are 7 Immediate Steps for Your Career, Finances and Personal Growth

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Create a budget We updated our budget in the Every Dollar app to reflect only our necessary expenses and cancelled our subscriptions and memberships to various services. Thanks to our low overhead expenses, it amazed us how little we could survive on when we cut out frivolous spending. Or when youre up to your neck in credit card debt?

Finance 147
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8 Pieces of Financial Advice for New College Graduates

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Some people refer to this as an emergency fund , but it is essentially three to six months’ worth of living expenses you can use to pay for essentials if you lose your income or get hit with unexpected bills, such as a car repair or medical emergency. You may not get your expenses to match the 50/30/20 percentages. Budget play money.

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How to Experience Luxury in Everyday Life

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Set aside the rewards you get from your cash back or points credit cards and use them to fund a special treat now and then. Cashback points don’t come close to the interest charges you will pay when you carry a credit card balance. Maximize your cash back. Be flexible.

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How to Find Your Money ‘Why’

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When people are tired or temptations are especially aggressive (hello, holiday season!), How many bath bombs have been purchased on credit cards in the name of self-care? Put your favorite one or two on an index card or sticky note and put it someplace visible like your bathroom mirror or your wallet. Don’t list too many.