ByMariaLopez Weekly Financial Tips:

How do we prepare for the Holiday Season?

I love the season of Fall! ? The air and the breeze in the afternoons are just beautiful!
My 6 personal financial tips as we prepare to rejoice the 2017 Holiday season:

1. Giving is a beautiful gift and sharing with our family and friends and community is wonderful! There were several natural disasters this year; many families and children will welcome a new toy, new clothing and a great meal!
2. We choose what the Holiday season means to us! As we plan to give gifts, i invite us to write down a list of what we are buying and it’s estimated cost. Let’s create a budget!
4. Do we already have the available funds to purchase the gifts for our loved ones? If not, there is still time to save in the next 2 months; I would recommend we use a separate savings account to put aside the funds.
3. Let’s be resourceful; the same product or item can be purchased for a lot less in a different store.
4. The overuse of credit cards do not make a season bright! So, we decide if we want to build more on a high credit card debt balance or create other affordable alternatives of how to celebrate the season with our family!
5. Let’s not fall for “sales” and “discounts” at department stores; let’s do our research before we buy!
6. My always favorite: Play some Holiday ? music!! ?

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What are your plans to today Saturday?

Yes, it’s Saturday!

What are your plans for today?

a) You may be working today; one of my best friends is already at the office until 3:00 PM today. In that case: think of the Why and the Purpose of the project you are working on, take a break every 40 or 50 minutes, engage with other colleagues and think of the rewards for your pocket or career benefits.

b) You  may be going to the stores to purchase new items: write down what you want, your budget, how you plan to pay for it, which credit card you will use, and whether it is a Need or a Want.

c) Your Saturday may already be planned for you: children soccer games, birthday parties or doing homework. Enjoy your day and the company of those around you!

d) My always favorite alternative is if none of the above applies: relax, recharge, or be spontaneous, be adventurous!

e) If business, money or finances are top of mind today: block 1 to 2 hours to focus on this item, use simple pen and paper to write down your concerns, your alternatives and I will guarantee you that as you write down, solutions will arise, write those solutions down as well!

Wish you all a fabulous Saturday full of Joy and Financial Abundance!

Abundance Now
Maria M. Lopez, CPA, Financial Advisor, Public Speaker

 

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