Tips For How To Budget Holiday Expenses
Last year, it was easier than ever to have budget holidays. Due to Covid-19 pandemic, most of our engagements and celebrations were reduced and limited to as few people and places as possible.
Of course, it had terrible social implications – celebrating away from the loved ones, being confined to your house, not celebrating at all – but credit where credit is due, it did make cutting down on expenses and having budget holidays rather easy.
In 2021, we’re kind of in the middle of the road. We’re not back to full-swing celebrations just yet (or we shouldn’t be at least, the pandemic is still a concern), but we’re not as limited as we were last year. And that means it’s tempting to forget about sensible budget holidays and go all out to make up for last year.
These tips will help you battle those temptations and take your spending under control.
Easy Tips For Budget Holidays
1. Have A Spending Limit
The easiest way to control your holiday spending is to keep the “holiday” money separately from the rest of the funds. If you have nothing against cash, you could even do a cash envelope hack – keep all your holiday funds together in a separate envelope. It’s long been proven that the visual effect of cash shrinking in front of your eyes can curb spending impulses.
On the other hand, if you prefer to stick to cards – set up a separate spending account and leave your other cards at home not to swipe them by accident (or because you’re overspending and tempted to cheat).
2. Be An Organized Shopper – No Spontaneous Purchases
The entire holiday marketing campaign is dedicated to forcing you into unplanned purchases. This is why you should 1) have a list of stuff you need; 2) stick to that list while doing your shopping. Sure, certain things may seem very appealing at the moment, but the chances of you regretting the spontaneous purchase are higher than you benefitting from it.
And if it doesn’t leave your mind, you can go back for it later. At least, this way you can be sure you won’t regret spending money (that much).
3. Don’t Spend Money Just Because You Think You Should
Think pandemic-style. You don’t owe other people your holiday time, not really. If the idea of attending a big celebration with your family irks you – come up with a reason to skip it. Especially if it involves travel. Ask, Marie Kondo-style, if what you’re spending money on “sparks joy”. If it doesn’t – skip.
4. Prioritize Your Comfort Above All Else
And while we’re talking obligations - you’re actually not obliged to spend money on Christmas. If you wish to skip decorations, skip holiday gatherings, and just go to a Christmas market with a few friends, or even just stay in and watch a movie all on your own – there’s no shame in that.
If you don’t want to do a big celebration for your kids – then do a small one. Compromises need to be reached not only with others but with yourself. Do a few dishes everyone will enjoy instead of a big spread, set them up with movies and toys instead of going out or coming up with mandatory family activities, etc. Big doesn’t mean good. Small quiet things can be just as enjoyable.
Have Trouble Reconciling Your Budget? Georgia Car Title Pawns Can Help!
No matter how hard you try to have budget holidays, the chances of an unexpected expense or other popping up are rather high. That’s exactly why you need wiggle room in your budget!
But if that wiggle room isn’t wide enough to cover your expenses and you need some help – you might want to consider car title pawns in Georgia. They’re an accessible and fast option to get last-minute cash.
You only need a few documents (an ID/driver’s license, your car for inspection, and its lien-free title in your name), the application process itself is streamlined and usually lasts under an hour, and Georgia Auto Pawn, Inc., specifically, does its best to accommodate clients with all credit and income situations.
How To Get Car Title Pawns
All you need to do to get started is submit an inquiry form to the location of your choice on our website. Once the form gets processed – it’ll only take a few minutes – you’ll get a call from our representative. They’ll double-check your information, answer any questions you may have, and provide further instructions.
They’ll also arrange a meeting with you at a location of your choice (not necessarily our store). Take the qualifying items to the meeting. The representative will need to inspect your car and assess your documents to determine if you qualify for the loan – and what the loan terms should be (max amount, payoff schedule, etc.).
If they approve you, you’ll arrange to get the cash you qualified for and leave with your vehicle.
Contact Us For More Information On Car Title Pawns
If you have problems budgeting for holiday expenses, remember that Georgia Auto Pawn, Inc. has you covered. Title pawns that we provide can get you cash in no time so that you can cover emergency expenses that may suddenly pop up around holiday time. Call us today at 800-514-2274 for more information or fill out the inquiry form for car title pawns online to get started!
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.