Money Matter, Tips and Tricks

Tips + Tricks: 8 Ways To Save Up This Holiday Season

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The Christmas holidays may very well be one of the most expensive season of the year. It is very easy to go over-budget with all the parties to attend and the gifts to buy. I did not even mention the funds you need to set aside for the food you and your family will consume during the most festive of months.

Fortunately, you do not need to break the bank that much to have an unforgettable Christmas holidays. Here are a few money tips and tricks you may want to consider to make the most of the yuletide and still save up this holiday season:

Create a budget

It is very easy to lose track of your holiday spending if you will not create a budget. Make sure that you prepare a list of all your holiday spending. Include in your list everything you will need to make a budget for. This may include your Christmas gift shopping list and your December grocery list. You may very well throw in your airfare or transportation expenses for your holiday travel into your list. You should also include tips for delivery crews or parking lot attendants in your list.

Stick to your budget

Of course, it does not end with just creating a holiday budget. The second and most important part of it to make it effective is that you need to stick to your budget. You may go a little over your designated budget for each item on the list, but make sure you are still near the ball park figure to avoid going bankrupt, or worse, in depth of debt, after the holidays.

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Photo by Ben White on Unsplash

Finish your holiday shopping ahead of time

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Money Matter, money matters, Tips and Tricks

Money Matters: 3 Effective Ways To Analyze Your Budget

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In this hardest of times, making both ends meet is a struggle in itself. This is why it is a must to analyze your budget so you can maximize your spending power, ensure that there is enough budget to spend for needs and wants, and guarantee that money is set aside for important expenses, as well as for emergencies and similar unexpected expenses.

Examining your budget may be challenging, but here are a few effective ways you can practice to effectively analyze your budget:

Compute your monthly income

To analyze and create your monthly budget, you must first compute your regular monthly income. This would include all the funds that are coming in regularly by the end of the month. In case of unfixed or commission-based monthly income, you can compute for the average and include that to make your computation more comprehensive. It is also a must to subtract items like income tax and payables, as well as loans or social security contributions, in order to compute your net income, or the actual funds you receive at the end of the month.

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Photo by Jess Bailey on Unsplash

List down your monthly expenses

In the same manner, you must also list down all your monthly expense to help you set your monthly budget and analyze whether it is enough to cover all your expenses for the month. Your list must include all your fixed expenses, or those that you need to regularly pay each month. This may include rent, car mortgage, school tuition, insurance premiums, and the likes. Variable expenses, on the other hand, are those that may vary from one month to the next and must also be included in your list. Such expenses include gas, groceries, funds for dining out or food takeaway, medical expenses, as well as car maintenance and repair fees.

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Announcement, Money Matter

Mum Shares: Share Posts + Earn Rewards On Social Media!

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All while you learn and share financial knowhow

Admit it or not, social media has been a part of our every day ~ every waking hour, every cherished moment, every achievement. Digital-savvy or not, we’ve all become social media natives, especially now, while in the midst of a pandemic. And that’s not necessarily a bad thing.

Using social media to hone my skills and talents to take advantage of business opportunities has honestly been a lifesaver for me and many others during these difficult times. Social media helped us stay connected with our loved ones during the months-long lockdown, distracted us from what’s happening, and encouraged us to continue trudging on because, well, we’re all in this together. Cue music.

It’s an escape {if you follow the right people}, a safe place to breathe and relax while laughing at adorable cat videos. It’s a platform where you can be anything you want to be {or truly are}.

Yeah, yeah, it’s an endless source of entertainment. But did you know that you can earn rewards from it, too? And all with no cost to you? Just download an app, FWD Affiliates, register, and share.

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