3 GIFT-GIVING TIPS That Won’t Kill Your Savings
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!
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!
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
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
Take a Break
If you’re cutting back on calories, skip the eggnog and buttered rum this year and fill up your mug with this delicious mulled cider! Festive Apple Cider
Ingredients
• 1 lemon • 1 gallon pure apple cider • 1 large orange, thinly sliced crosswise • 2 tsp whole cloves
• 2 tsp allspice berries • 1 inch fresh ginger, thinly sliced • 2 tbsp honey • 3 cinnamon sticks
Directions 1. Using a paring knife, shave the lemon peel off in curls. Reserve the curls and save the lemon for use in a different recipe.
2. In a large slow cooker, combine the lemon peel with all other ingredients. Cook on low for 3–4 hours.
CAROL CHEER COCOA FAMILY
GIFT HOLIDAY
SHOVEL SLEDDING SNOW TURQUOISE
3. If desired, use a sieve to strain the spices. Serve and enjoy!
HOLLY PEACE
Inspired by BoulderLocavore.com
Give Us a Call! (305) 702-8250 • 3
Made with FlippingBook - professional solution for displaying marketing and sales documents online