My Mom has been very busy this past week. They live in a nice one-bedroom apartment, here in Small-Town, on the second floor (much quieter than the first floor, my Dad informed me), and one of their neighbors has moved out, and the TWO BEDROOM apartment is available. So, Mom and Dad decided that they'd like to have more room for company and grandchildren who like to visit and stay overnight, so they are going to move. So, they have been sorting, packing, cleaning, and hauling boxes over to the new place. Luckily, the new apt. is only a few feet away from their old one. That is the beauty of moving within the same apt. complex and on the same floor. No going up and down stairs!! And, if it is raining, the wonderful awning keeps everyone nice and dry. I really like their apt. complex; I'll take some pictures of it and post them eventually.
Here it is, folks, today's segment of:
Continuing the "Christmas in July" theme, we talked last week about ways to create extra money for Christmas and places to shop for good deals. But, we all know how easy it is to spend that extra money that we create, how enticing those sales and bargain priced items can be, and how it all can wreak havoc on the budget. So, I have come up with a simple plan to not kill my budget:
First of all, make a list of those who you would like to give a gift to; that way, you have a good idea of how many you are buying for. Always plan on getting a few more gifts for last minute gift-giving for someone you inadvertently left out!
Next, figure out the available cash that you will have to spend, and allocate how much you want to spend per person. I try to budget on the high-end, because if I do under-spend, I take that extra amount and add it back into my available cash to spend. It is far better to Under-spend than to Over-spend.
Now that you have the names and amounts, this will hopefully keep your spending on track. As always, flexibility is the key here. If you allocate $15.00 for so and so, but the gift that you are dying to get them is $20.00, just rearrange your Christmas budget to find the extra cash.
This system has worked out very well for me; I am usually able to get everyone on my list a little something.
Last but not least, if you think that the extra cash that you have in your checkbook or just "lying around the house" is going to be spent on other things, take that money and put it into a savings account either at your own bank or in an online-savings-account. (My daugher has an online account with ING Direct, but there are other ones also.) That way, you won't be tempted to spend it, and it'll be sitting there, earning a little interest (and I do mean LITTLE!) but it'll at least be there when you need it!
There you are folks; tips from the one and only Earlene, the "voice of wisdom" behind Mom Minutes!!
Can't get enough of the stories about the stripey cat, Hobbes, and the adorable gray cat, Grace Anne? Then, go on over to Lin's blog at: duck and wheel with string to read today's story about Grace Anne, grass, and things that go "Urp" in the night!! I laughed until I had tears running down my face!! :)