G TIPS
3 GIFT-GIVIN
THAT WON’T KILL YOUR SAVINGS
THINK BEYOND STORE-BOUGHT OR EXPENSIVE ITEMS. Sure, everyone wants this holiday season’s “it” item, but sometimes the best gifts don’t even come wrapped under the tree. Instead, look to your own talents as a clue to what you should give. If you’re a great crafter, create something unique for the people on your list. If you can offer the gift of time, provide a free night of babysitting for your friends with kids or an experience at the local theater. These gifts have a bonus factor: Recipients love the gift when they open it, and they love it when they get to use it! SET A BUDGET — AND STICK TO IT. Setting a holiday budget ensures you only spend what you can afford. It also narrows down your search. If you choose to buy your neighbor something, but they aren’t your top priority, set their budget at a lower level, like $25–$50. If you have a sibling who has had a rough year and you’d like to make their holidays a little brighter, bump their budget up. This narrows the focus of what you’re looking for so you don’t stumble into something you can’t afford. Ultimately, it’s the spirit of giving during the holidays that makes them so rewarding. With a little ingenuity, you can be generous and avoid the stress of excess debt come January.
Ah, the holidays. It’s a time of sweet treats, family, and giving back — and sometimes giving a little too much. When it comes to the perfect holiday gift, many people spend too much money. The average American spends nearly $1,000 on gifts during the December holidays alone!
It’s possible to cut back and make it to January without major debt. Here’s how.
CHECK YOUR LIST — TWICE! The list is going to be your secret weapon to tackling the holidays with your savings still intact. Start by writing down the name of every person you’d like to get a gift for. Now, with the exception of your immediate family members, narrow the names down to your top
five — top 10 if you’re really popular. Now, place the names of the people who didn’t make the cut into a second list. If you still feel the need to do something for them, send homemade cookies or a handwritten note instead of purchasing something. This limits how much you actually have to spend!
19
ISTMAS OF 20
ENIENT CHR
THE INCONV
VESTING
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AND WHAT IT
I hope you’re having a great Christmas season, whether you’re spending it with family and friends or you happen to be one of those folks who works over the holidays. In my mind, there is one really good thing about Christmas this year for everybody — it’s on a Friday! Last year Christmas Day was on a Wednesday, and that was VERY inconvenient! I mean, come on — a Wednesday? The timing couldn’t have been worse. Still, as inconvenient as it was, my family found a way to make it work out just fine, and I’m sure yours did, too. Christmas is Christmas after all, and the payoff is always worth the hassle. Over my years in the business, I’ve found that the process of investing is a lot like an inconvenient Christmas. Many investors like you discover that investing and owning multifamily communities here in Iowa can be a little
inconvenient, but the payoff is more than worth it in the end.
For example, if you’re interested in joining our investment family here at Heartland, getting started will include a bit of hassle. You’ll have to contact me, get property opportunity information, review the information, make a decision, get some more information, and finalize it all before you officially own the property. For the NEW investor, that process can be a bit of a thorn in the side. But ultimately, the perks are well worth the bother. A smart investor will look at those steps and see the payoff, just like a savvy person will look at a Wednesday Christmas and look past the inconvenience to the happiness of the holiday. Our investment process is a stepping stone toward the happiness and financial freedom you deserve.
Whether your Christmas inconvenience is travel, coordinating schedules, working through the holiday, or dealing with your in-laws, you know in the end it’s always worth the trouble — just like investing here in the heartland!
Have a terrific Christmas!
–Darin Garman
2 DARINGARMAN.COM
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