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Even Santa Needs a Budget

Have you thought about it,  even Santa Needs a Budget?

Can you imagine if Santa didn’t determine how many children he had to buy for before he started making toys?

When planning out your Christmas List create the budget to go with it.

  1. It is very simple to set up and Excel page to plan and track your spending.   I’m sure if you looked online there is an app for that.
  2. Make a list of all the wonderful people in your life you want to purchase a gift for. Don’t forget the people who deliver your mail or pick up your trash or any other services you receive on a regular basis.
  3. Put the amount you are planning to spend next to them
  4. Total the amount of all those gifts

If you just choked at the total it is time to reassess the amount you are spending on each.

Christmas is meant as a time of giving what you can afford, not going into debt.   Don’t get caught up in the merry-go-round of keeping up with the Jones’ when the Smiths are drowning in debt. Create some traditions that have nothing to do with money but the true meaning of Christmas which is giving from the heart.

Here are some suggestions that cost nothing or very little to give but could be priceless.

20 gifts that cost nothing to make

Give what you do well.   A gift of time and talent is a gift from the heart.   Do you cook, sew shop etc well?

Great gifts that are free to not too much

Time instead of money can mean so much more.

Ways to give

Can you image a friend being offered to pick her children up from school and stay with you a couple of hours or doing mom’s laundry for a week, walking a friend’s dog for a month, a poem written in their honor?   I think you get the point it doesn’t take a lot of money to make a gift become priceless.   Some of these gifts go on giving so much longer than the holiday season.

Enjoy your holidays without the stress of a large budget.   Remember even Santa needs a budget.

MCA is a third party debt collection agency that has been in constant business since 1950.  We are rated A+ with the Better Business Bureau and we pride ourselves in excellent customer service along with delivering great recovery rates.  There is no cost to you unless we collect!  Why not try and re coop some of your past due accounts with no out of pocket expense?



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