Think Christmas ... when it's summertime? Sure--if you want to be prepared for a stress-free holiday season.
Starting holiday planning now makes sense ... and cents! Saving ahead for holiday expenses spreads the financial demands of the Christmas season over several months--and being prepared with a cash budget means you'll be less tempted to put holiday spending on credit cards.
Sister site Organized Christmas has some clever ways to start now to save money for a debt-free Christmas celebration:
Clever checkbook management can lead to a Christmas stash. When paying bills each month, "round down" the bank balance to the next even amount--say, from $967 to $900--by writing a dummy check for $67 and deducting it from the register. Don't cash it, but hold it for Christmas. Over a few months, those "round it down" amounts will add up to holiday funds.
The tax man cometh ... and you need to respond! Do you know where your tax records are?
Chances are, they're swimming in a stack of paper ... somewhere.
Rafts of paper flood into the average home each day. The mailbox discharges letters and bills and bank statements. Briefcases explode with professional journals, pay stubs and calendars. School backpacks unload children's artwork, meeting notices and sports schedules. Read More >>
Open the kitchen cabinets ... and you can tell it's time for a kitchen declutter!
Pudding mixes perch on top of the cereal, showering down onto the head of a sleepy, squawking teen each morning. To reach the oatmeal pan, you must shove aside a stack of pizza coupons, the bread machine pan and a glass jar of pickles.The top of the refrigerator is a greasy, dusty jumble of unfinished crafts projects, the dog's leash, empty prescription bottles, broken toys and fast-food drink cups.
Time to declutter the kitchen! Here are our best tips for streamlining and sorting kitchen clutter. Read More >>