Thanksgiving: The Beginning of Holiday Debt
Thanksgiving is just around the corner. Not only is this holiday a fun time to get together with friends and family members, it’s also the time of year when people begin to spend more money. With the holiday season kicking off on or around Thanksgiving, many people feel pressured to make all holiday wishes and dreams come true — this often means buying items on credit. We want you to avoid falling into a debt trap this year, which is why we’ve put together a few important money-saving holiday tips. Take a look at this list before you start to spend. HOLIDAY SAVING We all want to buy the people we love the things they want. But sometimes those things are just too expensive. Other times, we haven’t properly budgeted for those items. So, my first tip for you is to budget. • Figure out realistic amounts to spend on each person on your list.
• Write down how much money you will have to save each week to buy that item. • Place this amount in a separate bank account reserved only for holiday spending. If you find that you have to save more than you comfortably can, I’d like you to take a look at this next section. HOW NOT TO SAVE I encourage all of you to save real cash (not credit) for holiday spending. However, if you are going to go this route, I want to make sure you are saving responsibly. Do not begin to save for a holiday gift if any of these apply: • You are saving more than you make every week. • You cannot save enough cash for the item you want to buy. • You’re tempted to pay with credit or take out a loan to purchase an item.
• You have to forego basic necessities (food, bills, etc.) to save for the item. What about credit cards? Well, there is a way to use cards responsibly ... THE ONLY TIME TO USE A CARD There are times when a credit card can be used responsibly. Only use a card to buy a holiday item if these apply: • You can pay back the amount immediately. • You are trying to build credit responsibly. • You will not let your payments build up causing you to spend on interest. • You still budget for that item in cash.
CAN YOU GUESS CARMEN'S FAVORITE DISNEY PARK?
Leftover Thanksgiving Dog Treats
Inspired by TwoHealthyKitchens.com
Is it …
A) Epcot B) Magic Kingdom C) Animal Kingdom D) Hollywood Studios E) All of the above!
Ingredients
• 1/2 cup cooked sweet
• 2 cups cooked turkey, finely chopped • 2 cups whole wheat flour
potatoes, plain and mashed
• 3/4 cup water • 1 egg
Email your guesses to cbyrus@dellutrilawgroup.com for a chance to win!
Directions 1. Heat oven to 350 F.
2. In a medium bowl, combine sweet potatoes, water, and egg. Add turkey and flour and stir again until dough is thick and sticky. 3. Use a rubber spreader to spread dough evenly on parchment- lined baking sheet, about 1/2-inch thick. Cut dough into small rectangles using a knife or pizza cutter. 4. Bake for 30 minutes, until the dog treats are lightly golden brown. 5. Remove from oven and let treats cool completely. Break treats apart along score lines. 6. Serve fresh or store in refrigerator for up to two weeks.
The trend continues! Just last month, Carmen got to be with his granddaughter, Konnor, while she met Cinderella — just like he did with his own.
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