In five days, it is Christmas again.
Many enter the holiday season with their pockets full.
Savings from allowances, savings from salary, Christmas bonuses everywhere – a lot of pockets are really full and ready for the parties, Noche Buena, and the gift-giving.
Sometimes, however, because of these holiday traditions many people forget to be smart in spending.
Entering the season with pockets full, ending the year with nothing.
Jessebel Abay, an expert financial advisor, believes that being smart in spending for the holidays eliminates impulsive buying.
Many, according to Abay, are getting “emotional” when it comes to spending for gifts especially for their loved ones, causing some to buy fancy things and forgetting that there are still existing monthly expenses that need to be prioritized.
She believes that it is important to always stick to your budget, thus, a list will come in handy for your holiday shopping.
If you have kids, she suggested to refrain from bringing them when you shop.
If you do so, “learn to say no” especially to the things that they want that are not very much of importance.
For Abay, Christmas is not about the material things but about the “good relationship” that you share to your loved ones – the perfect time of the year to be at peace and to forgive.