The "B" Word

#2 
Good Morning Planners,
I don't mean to spoil the season with the dreaded "B" word.  Yup, you guessed it BUDGET!  For the holidays it is imperative to have a budget so that come the new year you are not drowning in debt.  To begin i would: 

1. Balance all Bank accounts.
2. Decide how many people you NEED to shop for.
3. Find Gift prices before going shopping.
4. Withdraw the total price from your account IN CASH!

Now i say withdraw IN CASH, because using cash instead of credit will prevent you from impulse buying when you go to the mall or other physical stores.  However, it does make online shopping a little bit more difficult.  When you run out of cash your holiday spending is done!  
         When shopping for gifts online look for coupon codes, and be sure to deduct the price of your online purchase from your cash, and redeposit it into your bank account.  Now we all know how crazy Black Friday is, but regardless you can find some amazing deals.  Here are a list of great days to save on your holiday budget. 

• Black Friday (In stores, and online)
• Small Business Saturday - The Saturday after Thanksgiving.  (In stores, and online)
• Cyber Monday - Monday after Thanksgiving (Online only)
• You may even consider Day after Christmas shopping at seriously discounted prices, and save the presents until next year.

Be sure to watch out for shipping, because on bigger items shipping can cost more than the item itself, and that can seriously drain your holiday budget quickly.  Ground shipping may take a few more days, but for many purchases it is either free or the least expensive method. If you order early there should be no doubt that your gift will arrive before Christmas.  In addition, most shipping during the holidays is guaranteed before a certain cut off date.  Ordering early is your best bet. 
            AND NOW FOR THE GOOD PART............ I have included A FREE PRINTABLE BELOW to begin simplifying your holiday season.  This printable contains only the bare bones of budgeting,  to keep your list clean, and concise. Be sure to check out Aubrey Eastway's take on budgeting on her blog 528squarefeet.  Be sure to leave some comments, and let me know how you like this printable, and this blog post!


Also check out our December Fauxdori Instagram Sale, and our Holiday Photochallenge!


We would love to see how you are using your printable be sure to tag us #cy86holiday @Createyou86

Wishing you a simplified holiday season,
Createyou86

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