Mantras to Help You Control Your Spending

control your spending

The holiday season isn’t just a particularly rough time on your bank account, it’s also hard on your impulse control. With so many sales and so many gifts to buy, it can be hard to stick to your budget and control your spending.

Here are some mantras you can use when you’re in the mall (or on to help you reframe your thoughts and keep your money in your wallet.

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Dealing With Holiday Debt

holiday debt

The Christmas tree is starting to wilt, the holiday lights are slowly being taken down house by house, and the pies and cakes you bought for Christmas dinner are slowly going bad in the fridge. After a month of good food, good friends, and lots of money spent on gifts and festive paraphernalia, chances are you’re not only tired but also broke. The Holiday Debt Hangover strikes again.

While it’s never fun to deal with your dwindling finances after Christmas is over, it’s something that can’t be ignored.

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Staying Out of Debt When Buying Gifts

staying out of debt

Whether it’s your child’s birthday or the holiday season, any occasion that requires gift-giving can get expensive. While the temptation to just put everything on credit and deal with it later might be tempting, it can absolutely ruin your finances (and, if you’re Christmas shopping, start the new year off on the wrong foot.) In order to keep you in the black, we’ve come up with some tips so you’ll be able to buy gifts for all the people on your list while staying out of debt.

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