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Christmas
Strategies: Gifting without Charging
By Darlene Arechederra
Before we know
it, the shopping season will be upon us. And, just like Santa's
little elves will be working feverishly, we've got to get busy saving
up our cash for Christmas. The alternative could be to watch helplessly
as our credit card balances increase.
But is it really possible to have a Christmas without using our
credit card? Absolutely! It isn't hard -- it's just a matter of
getting started now! Here are these 3 simple steps to begin ...
Step 1: Determine exactly how much cash you will need. How
much do you normally spend for Christmas gifts and goodies? Be sure
to add in special food expenses to your total, if you're providing
the main holiday meal(s) or responsible for a large portion of it.
Not sure? Do a guesstimate, erring on the plus side to be safe.
Step 2: Using your total from above, determine how much you'll
need to save daily or weekly. Divide it by the number of weeks or
days left to save up money. Examples: (These are approximate amounts.)
$500 divided by 15 weeks = $34.00 wk $300 divided by 15 weeks =
$20.00 wk $400 divided by 107 days = $ 3.75 day $200 divided by
107 days = $1.90 day
Step 3: Choose your Method(s) to begin saving. Pull out your
old favorites, and get going! Listed below are a few ideas to get
you started.
Gift Certificates are Not Just for Others ...
Buy a gift certificate each pay period. When you're ready to shop,
use your certificate to pay for the items. Be sure to watch for
expiration dates.
Marlene, a good friend of mine, does this year round. She then buys
items as they come on sale, using her certificates. Marlene is a
single mother who has found a way to buy gifts for her children
without using credit cards or draining money from the checkbook.
Christmas Account
There's still time to open a Christmas account with your local credit
union or bank. Make automatic payroll deposits if you can. If not,
write yourself a check each pay period and mail it in to your account.
If you cash your paycheck, take out your targeted amount and deposit
the money before it gets spent. Remember, too, once this account
is open, you can make small deposits year round, eliminating the
Christmas Crunch next year.
STEP TWO: Narrow down these challenges. The more specific your affirmation,
the more effective it will be. For example, "I owe a lot of money"
becomes "I owe money to credit card companies."
Pick up Some Extra Work Hours
Many businesses will need extra help as the holidays arrive. You
may be able to pick up some extra hours. Be sure to set aside any
money saved so it doesn't slip through a hole in your pocket!
$1 Per Day Keeps the Creditors Away
Don't forget the 'Tuck $1-Per-Day-Into-an-Old Sock' method. If you
have 110 days left, you'd have around $110 at $1 per day. Tucking
away $2 per day will find you $220. $330 for $3 per day.
Re-think Buying Gifts This Year
Have you had a rough year financially? Do you owe on credit cards?
Consider not buying gifts this year. What if you were to save up
money as if you were buying gifts, but use it instead to pay extra
on your debt? Can you think of a better gift for your family? You'll
be surprised how much better you'll feel giving down the road, when
you can truly afford it. Get creative. Imagine that you had no job.
What would you do for gifts? Would you make your own? Send cards
only? Email cards? Brainstorm some unique alternatives.
Remember the Spirit of the Season
Above all, remember the original intent of the holiday celebrations.
The spirit of the season can be lost in the newly added debt and
additional stress created by copying what the Joneses next door
are doing. Prevent future stress by learning to celebrate without
using your credit card. It can actually be heaps of fun!
Now get started, and set your strategy in place so you'll be ready
and able to pay upfront for next year's holiday, too!
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© 2003 Darlene Arechederra
Darlene Arechederra is author of Rat Race Blues-How to Break the
Stranglehold. She offers hope and help in turning spending into
savings, so you can do what you *love* to do for a living, not what
you *have* to do! Free weekly newsletter. http://www.RatRaceRemedies.com
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Energize for a Happy Holiday Season: Four Tips For Moms
by Susie Michelle Cortright, www.momscape.com
Decking the halls and spreading good cheer takes a lot of energy,
and no one knows that like a mom. Here are some tips to make sure
you enjoy every last fa-la-la.
1. Rise and SHINE.
Greet each day in the right frame of mind. Here's one technique
to help you do so. Inspired by Arnold Patent's "Ideal Day Exercise,"
this method is so empowering, you may find yourself skipping past
the coffeepot.
As you lie in bed, summon the physical feeling that accompanies
unabashed, unbridled joy. You know the feeling, though it's one
you may have felt only a few times in your life. It's a feeling
that's impossible to put into words, through I once heard it described
as the urge to throw your shoes way, way up in the air, and I
think that's accurate. Seize that feeling.
Experience that sense of joy fizzing inside you. Keep hold of
it until you feel as though you're ready to pop. Then pop out
of bed.
I follow this with a mantra or saying that I repeat, throughout
the day, as a reminder to return to my center of joyful energy.
My favorites: "What we focus on expands," "Joy to the world,"
and "This is the day that the Lord has made. Let us rejoice and
be glad in it." Recite a rousing quote, a line from a song, an
inspiring verse from your own religious faith, or make up your
own saying.
2. Stay Centered.
An energetic and peaceful holiday season is possible only when
you strive to live with integrity the whole year through. Right
now, ask yourself: What do you value, above all else? What comes
second? Third? How important is your spirituality, your family,
your time for yourself, your profession?
After some thought and reflection, rank your top priorities on
a Post-it-Note where you'll see it throughout the day. (Mine's
on my computer monitor). Use your list when asked to make commitments
and compromises. If the request doesn't jibe with your list, you
don't just have permission, you have an obligation to say no.
This list of priorities may set the course for new holiday traditions,
as well. Perhaps you will donate toys, books, and food to charities.
Perhaps you will help serve dinner at a homeless shelter instead
of indulging in a huge holiday meal. Bringing joy to the world
outside your own is one of the most energizing things you can
do.
For a moment or two, indulge the ghost of Christmas Past. What
memories immediately come forth that evoke a fond nostalgia? For
me, it isn't the gifts or the shopping or even the parties. It's
rocking my infant, alone, by candlelight, to "Silent Night." It's
letting the 2-year-old crack the eggs for the cookies, and seeing
the pride on her floury face.
Decide what the holidays are to you. Then make a plan to weave
more of those activities into your holidays, and reduce the rest.
3. Deck the Halls with Light and Love.
Don't let commercialism spoil your fun. Make the simple promise
to yourself that, this year, you'll enjoy your holiday shopping.
Brainstorm ways you can make this happen.
For me, the mall is a giant energy drain. The look of worried
resignation as a shopper hands over her credit card tells me that
she's shopping out of a sense of obligation and not one of joy.
And it sours my holiday spirit.
Instead, I carve out an afternoon all to myself. I put on an Andrea
Bocelli CD, sip Chai tea from a giant mug, and curl up with a
fleece blanket to surf the Internet and page through catalogs.
That's how I find just the right something for everyone on my
very short list. When it ceases to be fun, I stop.
I so enjoy shopping this way that, throughout the year, I bookmark
sites that offer just the right items. Sites such as GAIAM, which
couples a commitment to sustainable commerce, the environment,
and personal health with natural products for relaxation and self-care.
www.gaiam.com
Sites such as Little Did I Know.com. Everything on this site is
either handmade, distributed, or invented by a work-at-home mom.
Ordering from them means supporting such families and the value
systems they embrace.
www.littledidiknow.com
Sites such as SERRV International, a nonprofit organization that
helps to improve conditions for artisans in developing countries
through free trade. Here, you can purchase everything from home
furnishings to jewelry made in Africa, Asia, the Middle East,
and Latin America. (SERRV even allows you to purchase coffee directly
from the growers. The prices are affordable and you'll be drinking
in the good karma every morning.) secure.serrv.org/SERRVtest/SERRV/catalog/index.html
If you find the materialism of the season draining your energy,
commit to making an attitude shift. If you want things to be different
this year, only you can make it so. Take the lead for your family,
and live in such a way that you prove less stuff really does equal
more fun.
Maybe you'll take the money you usually spend on one-too-many
toys and enjoy, instead, a weekend family getaway. Maybe you'll
make homemade goodies, such as picture frames, home movies, or
goodie baskets, which the whole family helps to create. Maybe
you'll bag the traditional gift-giving and start a new tradition.
In our family, it goes like this: Each guest brings a wrapped
gift of roughly the same dollar value. We sit in a circle and
each person, in turn, has the option of taking a gift that's already
been opened or opening a new one. It's fun. It's festive. It gets
everyone moving and talking, and it switches the focus to the
relationships and the event...not the gifts. One of the best ways
to avoid commercialism is to simply turn off the TV and its advertisements
for the newest plastic plaything. Return instead to the educational
standbys...books, blocks, water, sand, and time with mom and dad.
Momscape humor columnist Linda Sharp once asked a group of kids
to name one thing they'd like from their parents that wouldn't
cost a dime. The answers: "Listen to me, please," "Teach me to
cook," "Stop being so busy," "Hug me more," "Read to me..."
Hard to wrap, but easy to give.
4. Bring Tidings of Comfort and Joy...to Yourself.
This year, be realistic with your time and money. Start early,
plan well, and take care of yourself. - Simplify as much as possible.
Eat out. Use paper plates. If a holiday tradition is old and tired,
reinvigorate it or start a new tradition of staying at home. Plan
ahead. To help, chances are, your favorite food website has a
checklist for big holiday events.
- Replenish your natural energy by taking care of your body. Eat
right. Exercise (in the crisp outdoors once in a while). Drink
water. Sleep.
- Energize your image. Give yourself an early holiday gift or
a great haircut, a brow shaping, a pedicure with bright red polish,
or a free makeover at your favorite cosmetics counter and a purchase
of the most vibrant lipstick shade you'll actually wear.
- Keep a "joy journal" this holiday season, in which you record
the funny things your kids say, joyful times you share, your favorite
things to do with your kids, your husband, and by yourself, and
all the things for which you are grateful. Use your Joy Journal
as a reminder of the facets of your life-and this holiday season-that
are really important.
- Deck the halls with items of comfort and joy. Display photographs
from past holiday celebrations. Keep in full view reminders that
you take care of yourself...fresh flowers, indulgent hand cream,
inspiring music, and energizing scents, such as citrus or peppermint.
- De-clutter. Here's an effective technique, created by the Flylady,
who is committed to helping us all simplify and de-clutter. It's
called the "27 Fling Boogie": Go through your home with a give-away
box in hand and toss 27 items. (The Flylady also offers a creative
and extensive list of clutter-free holiday gift ideas here: www.flylady.net/pages/FlyFocus1.asp)
- Keep the romance alive. We all know about the prescription for
a weekly date night. We also know how hard it is to make that
a reality. Meanwhile, many married couples report that the simple
act of kissing is the first part of intimacy to disappear. Schedule
a 15-minute kissing date at least once a week, and marvel at its
power to reinvigorate your relationship.
- Spend the season with your most energetic friends. Instead of
letting the Scrooges in your life yank you down, send them something
sweet from a Secret Santa. A little anonymous enchantment may
be just what they need.
As you commit to keeping your spirit centered this holiday season,
engage your kids in the process. Recognize your children as the
gifts they are. The gift to you as a mother, and your gift to
the world. Strive to greet each day as though it were Christmas
and await, with reverence, the surprises that your family will
help you uncover. Today and every day.
+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
Copyright 2003 Susie Cortright
Susie Michelle Cortright is the author of several books for women
and founder of the award-winning Momscape.com, a website designed
to help busy women find balance. Visit www.momscape.com
today and get Susie's *free* course-by-email "6 Days to Less Stress"
as well as the *free* pdf ebook, "Spa Recipes for All Seasons."
Please feel free to reprint this article in your newsletter and/or
on your website as long as the author's resource box, including
this paragraph, is included.
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