Last-Minute Money Saving Tips to Try Before Christmas
On a scale of one to "I'm so broke," how prepared are you and your wallet for all the Christmas expenses coming your way? Whatever your answer is, we hope you find the tips below helpful.
- Spend only what you have.
Budget a month's worth your money and keep your allotment for transpo, food, and readings/supplies in separate envelopes. Make sure you only spend what's in the envelope and that you don't "borrow" from other envelopes even if you intend to pay the amount back.
- List down your spending.
No matter how big or small the amount of money you use, make sure to take note of it. This will make you more aware of how much of your money goes to what. And when you do, you'll be more conscious of the way you spend.
- Challenge yourself to a "no-spend" day.
Have a no-spend day where you don't shell out money except for your commute to and from the house. This means no spontaneous movie dates and certainly no just-because purchases at the mall. Whatever you were supposed to have spent that day can go right to your savings jar.
- Eat in as much as you can.
Beg off on invites to lunch outs and dinner catch-ups, bring baon to school, or pack yourself some munchies to combat hunger pangs. You'll be surprised how much money you'll save just by doing this.
- DIY everything
Whenever you feel the need to buy something, convince yourself you can do it at home. Badly need a mani-pedi? DIY! Craving for a P160-coffee? Make your own! Even the Christmas gifts you plan to give can have a handmade element.
- Sell some stuff
Whether it's selling some old clothes or offering your services for a fee, making a profit out of stuff you own or do best can help you earn more cash. Just make sure that whatever you earn goes straight to the jar.
- Force yourself to save any amount every day.
It doesn't matter if it's P5 or P50 or P500, whatever amount you don't get to use for the day must be stashed in the savings jar.
Got more last minute saving tips to add to this list? Let us know in the comments section below!
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Outdoors Danielle Flestado @artdkf | May 1, 2020 "I miss the outside world. The last time I went outside of our house was on my birthday. We just bought coffee across our village and went back home immediately. This painting made me feel that I'm in a field, just appreciating the beauty of God's creation. Can you imagine the green grass and pink flowers?"
When everything around you suddenly turns dark, the first thing we'd prolly do, as humans, is to find and grab anything that is closest and nearest to us. We'll hold onto them for as long as we can, trying to collect ourselves and gather courage to adjust our eyesights to the pitch black environment that's consuming us minute by minute. And then you'd hear nothing. Your sense of hearing would somehow go off after not seeing anything for quite awhile. You'll let loose. Cry. Panic. You'll be exhausted for fighting your way out. Then just when you're about to stop and give up, you're no longer afraid. There's only this deafening silence and pithole of darkness that's gonna eat you up alive. And surprisingly, you'll make a home out of it.
You'll make a home out of the darkness that when a ray of light suddenly hits you, you'll try to avoid it. You'll try to cover your eyes. You'll try to cover your ears from the voices trying to help you get out of it. You'll try to hide because your mind and body will go against your will to come out and live. Because the darkness that used to scare you, now comforts you in a way you thought has helped you survived life. And you'll try to live. Day by day. In the darkness. Not knowing where to go. Not knowing where to start. Not knowing who is with you. You will try to live until the darkness that once surrounds you is now within you. And everyday, it's gonna be a cycle of subtle torture. But let me tell you a secret. The darkness won't make you whole.
You'll be broken. And in those hair-like cracks, the light will stubbornly fight its way through until it warms you up. Until you realize to check the switch and turn it on. Until you allow other people to help you find your way back in the light. Until you realize you're ready to live in light again. There's a light at the end of this long and dreading tunnel. The only question that matters: will you let them in?
I always thought of life, like a bead where each piece makes it worth sewing together with other piece of beads to make a stronger bond and to create a beautiful result. Today, how do we bond well with different people especially this difficult time? As this day challenges us to a new normal, may we continue to bead along positively with our life.