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Geeze. Can you believe that we are just a few days out from another Christmas? Yeah, me neither. In fact, because I’m not a holidays person myself (check out “So, What If You Don't Observe Holidays?”), it wasn’t until one of my clients was venting about how stressed out she was due to all of the holiday season procrastinating that she had been doing that I realized just how fast December is actually flying by.

If, like her, you’re feeling frazzled because, although you told yourself last year that you weren’t going to wait until the last minute to “handle your business,” you ended up doing exactly that, fret not. I’ve got 10 tips that can keep you from making emotionally-triggered decisions as far as your financial expenses are concerned. Merry Christmas. #wink


1. Create a Budget. Stick to It.

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Budgets, boy. I recently read that one of the reasons why they don’t work for a lot of people is because many folks don’t have a clue about how much money they spend on a monthly basis to begin with. SMDH. That said, at the end of the day, it’s important to remember that a budget is simply setting boundaries/limits on your spending — and being intentional about moving in this fashion is always a wise move; especially when it comes to this time of the year…especially being that it’s typical for half of all Americans to take on some type of holiday season debt with 17 percent needing six (or more) months to pay it off.

Know what can prevent this kind of financial chaos? A SPENDING BUDGET. Tips for how to create one of your own this year can be found here.

2. Never Shop When You’re Stressed or Pressed

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You know how they say that it’s not a good idea to go grocery shopping when you’re hungry? Although the holiday season can be a stressful time, avoid shopping for gifts (or décor or food for recipes) when you are feeling stressed out or pressed for time. More times than not, that cultivates anxiety which could cause you to either purchase things that you don’t really want or to spend money that you don’t really have (P.S. If you’re relying on credit cards, that qualifies as money that you don’t really have. Just sayin’).

3. Don’t Keep Up with the Joneses

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Know something else that can stress you out: trying to keep up with the Joneses. And y’all, now that we have social media, the reality is that envy is at an all-time high. That’s because it can be really easy to watch holiday engagements, holiday trips and folks bragging about the things that they’ve received in times past, only for you to find yourself wishing that you were them — or putting pressure on yourself and those in your world to keep up.

Listen, it is King Solomon who once said, “So are the ways of everyone who is greedy for gain; It takes away the life of its owners” (Proverbs 1:19 — NKJV) and “A sound heart is life to the body, but envy is rottenness to the bones” (Proverbs 14:30 — NKJV) and he’s considered to be the wisest man who ever lived (during his time — I Kings 4:30). Yeah, both of these verses are a spiritual reminder that whatever you are planning to do or give, do it out of the goodness of your heart — not so that you can low-key “outdo” the next guy.

4. No Need to “Tit-for-Tat”

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This one might be a bit controversial yet I’m totally okay with that. I don’t care what the occasion is, no one is OWED a present. A gift is a voluntary token of one’s appreciation or affection. That said, if you decide to give someone a present this year, don’t automatically expect something in return. If you get something, cool. If not, if you were giving for the right reasons, it really shouldn’t matter (RIGHT?). On the flip side, if someone decides to get you something and you don’t have something to offer in return, also cool.

Other than going to someone’s home for a holiday dinner or party, for anyone to feel like they should have something in hand because someone else does…that’s not giving, that’s competing — and that absolutely should not be the spirit that you are in (or around) during this time of year.

Again, a gift is not an obligatory thing. If you’ve always thought otherwise, it’s time to do some serious reprogramming.

5. Avoid the Pressure to Buy for Lots of Adults

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Last month, Newsweek published an article that said it’s wise to not spend a ton of money purchasing gifts for adults. A financial expert in the piece said that it’s best to buy for kids because, more times than not, you’re going to get adults something that they already have a lot of, they don’t really need or they’re not going to use (beyond maybe regifting) anyway.

If you’re not feeling that insight, my take would be to exchange names and set a price cap for the grown folks. I say that because, I don’t think that people ever outgrow wanting something over Christmas. It’s just that the over-the-top energy should be reserved for the kiddies — and even then, the “4-gift rule” (want, need, read, experience) is probably your best bet for them…financially and otherwise.

6. Go for Thoughtful over Expensive

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It’s kind of wild how much close-to-torture folks send themselves through to purchase gifts that, a good 6-8 months now, most folks aren’t even going to remember. That’s why it’s also a good idea to purpose in your mind to get something thoughtful over expensive.

Honestly, that’s a big part of the reason why Etsy continues to be a go-to for gifts (for every occasion) for me. It’s because you can oftentimes get things customized/personalized which ends up meaning so much more to people than something that you bought at a generic department store that might have a high price tag yet still lacks in sentimentality and deep meaning.

7. Use Coupons and Promo Codes

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Coupons (and promo codes) are a slippery slope in the sense that…they remind me of when I used to go overboard while thrift store shopping. I say that because, just because I might find several bomb dresses for under $20, what am I going to do with 50 of ‘em (over time)? It’s just as much of a waste of money as buying couture if neither option gets much use.

And that’s kind of the thing about coupons and promo codes. Some people end up overspending because they rationalize that so long as there are discounts attached, it’s all good. At the same time, this doesn’t mean that you should forego coupons and promo codes altogether. The key is to put together your shopping list (and budget) and then use discounts specifically for those items. If you do this, you could save well over $1,000 annually (at least, depending on what you decide to buy).

8. Avoid Add-Ons

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Yeah. Dodge add-on expenses. Add-ons like what? The first thing that comes to my mind is a warranty. What’s the chance that someone is actually going to need that? Another example is paying for things to be “professionally” gift wrapped. Chile, throw that stuff in a gift bag with some tissue paper and go on about your day. All good.

9. Rethink Gift Cards

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If there is any time of the year when there is a noticeable hike in gift card purchases, now would be it. And although they are a convenient approach to gift giving, at the same time, many come with hidden fees, the full amount oftentimes goes unused (which ends up being a waste of money) and they do come with expiration dates that are oftentimes forgotten.

So, if you’re someone who likes to wait until the last minute to do your holiday shopping, resist the urge to impulsively pick up a handful of gift cards. Unless it’s to a place that you know someone is going to use within the next few months, they could end up in somebody’s kitchen drawer for the next couple of years. And what a waste that would be.

10. They’ll Get It When They Do. And That’s Okay.

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One more. Although it is super thoughtful and proactive to get people their gifts in time for whatever occasion you purchased them for, if trying to reach that goal is going to require paying for rush shipping that is damn near as high as the price of gift or spending a lot of gas money that you don’t have at the moment to drive miles and miles away — take the pressure off to spend a ton of cash just to make sure that something arrives at December 25. Listen, through doing business with Etsy, I have learned that through this administration, there are all sorts of tariff issues going on and the USPS is slower than ever too, so paying more may not guarantee much.

The hack? Send a message that something special is coming…soon enough. The thought really is what counts (more times than not); plus, it builds anticipation of something good coming, even if it’s after all of the Christmas Day hoopla. And no one (with sense) is going to have a problem with that.

Now don’t you feel better? Happy Holiday Shopping, sis.

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