Time seems to fly at this time of year. One minute we are raking leaves, taking fall hikes, and enjoying the warm sun on our face and the next we are putting snow tires on the car, breaking out the toques, boots and warm sweaters and shoveling snow. The transition to winter brings a whole new set of tasks with less day light available to get them done. And we know that Christmas is right around the corner.
Usually well before the first snow flies in November, we hear Christmas music, see people putting up their decorations and many get invitations to various events. The retail industry cranks it up for their busiest and most profitable season of the year. Everything seems to be on sale at every corner! More flyers arrive both in our mailboxes, more ads circulate when we are online and more T.V. commercials prompt us to include a toy or gizmo on our gift list. The marketing minds are working overtime to make sure they entice people to spend more than they did last year. Often, more than they can afford.
It’s not easy being disciplined in this environment. It’s not easy to ignore the ads. You owe it to yourself not to overspend because you work hard for your money. Along with a dose of discipline, you need a plan.
Here a few tips that should prevent you from waking up in January with a credit hangover:
Many will unfortunately overextend themselves this Christmas by buying too many gifts, thinking that they are making others happy. In the end, you know your financial situation better than anyone. If you heed this advice above, you and everyone around you will be happier once January rolls around.
If you are burdened with debt stress, asking for sound advice is a sign of strength and the smart thing to do. Asking sooner rather than later is always better. Try our debt reduction calculator and call Doyle Salewski today for your free, no obligation consultation. You’ll be glad you did.