Using the holiday jingle in your pockets instead of plastic will add a twinkle in your eye ! Yes, Go CASH for the holiday shopping ! It’s a wild new experience for some, but one that still guarantees smiles to those receiving gifts and those giving, and the best part there is no buyer’s remorse come January. Here are more holiday tips and ideas to make your season more affordable, less stressful and fun !

Avoid incentive cards those with rebates or frequent flyer miles unless you pay bills in full. The rates are too high. And if you are a person who can’t resist a store credit card that promises a discount on your first purchase, take a friend with you that will stir you down a different aisle. Now, again if you are one who can pay in full that entire bill when it comes in grab that discount. Then after the holiday keep it stored in a glass of water in the freezer.

Christmas time brings to some employees end of year cash bonuses, or incentive rewards. Really reward yourself by becoming debt free. Use it to pay down your credit card debt, not create more debt. This tip will fulfill you with joy for more than any new shiny toy.

It’s already close to the deadline for shipping out Christmas presents. This means buying boxes, filler for breakables, and standing in line at the post office or shipping store. Have you thought about the many gift cards ? Just about every restaurant or department store now sells gift cards, and they fit inside an envelope requiring ONE stamp. Now that is saving stress and money – such a joy ! Is the gift about who it came from or is it about bringing joy to the receiver ? If it’s about bringing joy to the recipient then use the gift cards purchased that have stores or outlets in their home town. Children of all ages love to shop, and this way, they will get to select what they really like and want.

Under the creating memories category, have you considered making a making a photo album of gifts they have given you from the year before or through the year for birthdays, anniversaries. This shows appreciation and turns into a memory gift for the person who has been gracious with you in the past.

Saying ‘Thank You’ is more fun if you choose a card or stationery that reminds you of the person you’re sending it to. Personalize it with a photo or two of you wearing or using the gift they gave you. Be sure to note something about how it was used, how it tasted, or when it was worn and any comments others made that adds to your appreciation. If children are involved it really becomes a fun project when the creative juices start flowing. People really do love saying Thank You, and love hearing it even more.

Spectrum Resource’s objective is to share with you ideas that will give you more options so that you can live INSIDE your income. Gifts from the heart are far more valuable that anything debt can provide.
Call (863) 967-0660 or email: SpectrumResources@tampabay.rr.com

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