Your 2019 Christmas Guide from Top Toys to Saving Money

November 25, 2019

10 Top Christmas Toys of 2019

 

This week, my mailbox has been flooding with toy magazines arriving from Amazon to Mindware all competing to get my business this Holiday Season.

 

With my two children, 8 and 5, it is difficult to find the perfect toy. Sure, I can just buy them whatever, but as a parent, you want that magical moment of your children racing down the stairs early in the morning to sneak a peek of the presents safely tucked and organized under the brightly lit tree in hopes their parents are awake.

 

Wait!  That was my brother and me.  

This may also be a time that causes undue stress in the household and perhaps financial stress.  According to a recent study, "Consumers expect to spend an average $1,047.83 – including purchases made earlier – for an increase of 4 percent over last year, according to the National Retail Federation's annual survey released in October."

 

With so much money being spent, there is always the risk of buying a gift that the recipient doesn't want or doesn't value. Then you think to yourself why you spent so much time, effort, and money on a gift in the first place. Giving cash just feels lazy and lack of thought.

  

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Stay Out of Holiday Debt with this Budgeting Spreadsheet

Source: PolicyGenius

 

The holidays don’t come cheap. According to a survey by MagnifyMoney, people added $1,230 in debt during the 2018 holiday season.

 

There are plenty of tips and tricks to make the holidays more affordable, but using a budget is the easiest way to stay on top of your spending.

 

You can download this one and personalize it to fit your holiday plan.

 

Here’s how to use the spreadsheet.

  1. Enter your estimated holiday budget, or how much you have allocated for the season. Review old bank statements to estimate big expenses.

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10 Sanity-Saving Thanksgiving Tips, Tricks, and Hacks

Source: Food Network

 

This year is going to be different. You've decided on the menu two weeks before the big day, convinced your Aunt Charlotte that you really can live without her famous oyster green bean casserole and remembered to ask your sister to bring her big coffee urn.

 

But no matter how well you plan, you know some problem is going to pop up. No biggie, we say. Here are 10 tricks for tackling everything from "Yikes, who borrowed my fat separator?" to "Where am I going to put everything?"

 

Let the holidays commence!  

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25 Tips to Save Money This Christmas

Source: EveryDollar

 

If you want to keep rocking around the Christmas tree without racking up the Christmas debt, be more thoughtful in your spending and saving this season. How? Good question. We’ve got 25 answers for you right here. Keep reading for tips on how to save money this Christmas. 

 

1. Develop a Gift-Giving Philosophy

Normally, our first suggestion in every instance of life is to budget. And we’ll get there. But before you budget, you really need to create your Christmas gift-giving philosophy.

 

What does giving mean to you? Is it about finding the perfect present for each special person in your life? Do you scour all the websites, all the stores, and all the sales all year long? Is it about the hunt or the look on their faces when they open the well-thought-out present?

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6 Websites to Save Money on Holiday Shopping

 

The holiday season is a particular time when families come together, reunite to rekindle past memories, but is also a time that can stretch your family's budget.  

 

Let's face it, people tend to overspend. According to creditcards.com, the average amount spent by households total $586. If you were given an extra $600 every month, how far would this amount take you towards paying off bills? If you are already living paycheck-to-paycheck, then $586 is quite a bit of money.

 

Sadly, if this amount is paid for by a credit card, you will likely be paying significantly more due to interest.    

 

To help alleviate the forecasted debt burden, this article will help you explore six websites designed to help you save money without breaking your bank account, as well as help you carefully plan and budget for Christmas gifts.

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Previous Articles

8 Steps to Achieving an "Excellent" Credit Score

December 2, 2019

Your 2019 Christmas Guide from Top Toys to Saving Money

November 25, 2019

Practical Ways to Save Money | Saving Tips

November 17, 2019

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