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Home / How Not to Overspend This Holiday Season!

How Not to Overspend This Holiday Season!

The economic and social disruption caused by the pandemic is devastating, we have witnessed business and financial organizations having to cut down their workforce, and in some cases reduce wages and salaries. This also has reflected on the earnings of individuals with and without jobs. 

It is therefore necessary to watch your spend limits at this very uncertain and trying time. Here are a few tips you can use!

  • Understand your spending triggers:
    Are there certain environments that make you want to spend, or make you feel obligated to spend just because you’re there? You can save yourself a lot of bucks by either steering clear of such environments, or not taking a lot of cash with you, including credit cards.
  • Create a budget and to stick to it:
    To correctly manage your funds, your budget must be tailored to suit your needs.
  • Track your spending:
    Avoid buyer’s remorse and keep track of your expenses. It’s just as important to pay attention to those small, daily purchases as it is to track big expenses. Remember, every little counts.
  • Rely less on credit cards, use debit cards or cash:
    Based on your budget, take out some cash at the start of the week and put it in an envelope, which will act as your ATM for the week. Draw out a few bills here and there to cover your purchases, and if you find yourself running low on cash, you’ll have to figure out a way to make your money stretch.
  • Decide on your priorities:
    Separate your wants from your needs.
  • Know when to stop:
    If you have a list and everything on it is checked, you should stop there, except it’s an emergency.

On Investment

“Games are won by players who focus on the playing field –- not by those whose eyes are glued to the scoreboard.”
― Warren Buffett

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