4 Tips to Saving on Valentine’s Day

Chocolate covered strawberries, heart M&Ms, red roses and tons of jewelry commercials are all indicators that Valentine’s Day is quickly approaching. From last minute floral deliveries to quick Kay’s Jewelry shopping runs, Americans spend over $18 billion on Valentine’s. That’s billion! To minimize the need to get into more debt to impress (or even remember) the love of your life, here are four tips that will help you save money and eliminate the need to create more debt.

Plan ahead.

Unlike, Easter and other “floating holidays”, Valentine’s Day is on the exact same day each and every year—February 14th. So, it should not be a surprise each year when February arrives; therefore, when creating your January budget, make sure you include a line item for Valentine’s Day. By allocating funds to this day ahead of time, it will not only help you remember this special day is forthcoming, but will allow you to properly plan for it, thereby, reducing the need to overspend.

5 Steps to Setting & Executing Goals in 2018

It is 2018 and it is snowing in Savannah (a rarity)! It is during this season, however, where we set our goals for the year as a means to help in decision making and to aid in ensuring we are getting things accomplished as a family and individually. Why is it important to set individual as well as family goals? According to a specialist from Consumer and Family Economics of University of Missouri Extension setting family goals aids in building stronger families. “Goals strengthen the family’s ability to function and live their dreams” as well as provides guidance, aids in better communication and helps individual family members take greater control of their circumstances (http://extension.missouri.edu/bsf/goals/).

We want to be very intentional in our faith, family and finances and the best way to be intentional is to PLAN IT. Success does not just happen; it has be planned. So with God, good intentions and a plan in place, here are the 5 Steps We Implement to Set & Execute Goals Each Year!

Tuesday, December 5, 2017

How to Create a Simple Christmas Budget

It’s December and the malls are filled with eager shoppers scavenging through racks trying to find the perfect gift. Although the season tends bring out the spirit of giving, it also bring out the spirit of spending! To ensure we plan our spending and ensure we are not creating more debt in all of our giving, here’s a quick video tutorial on how we create our Christmas budget throughout the year. Check it out!

2017 Holiday Guide on a Budget

Thanksgiving has come and gone, but many of the Black Friday sales will continue throughout the holiday season. Although we do not fight through the malls and stores to get the greatly-reduced TV or handbag, we will set our alarms for midnight on Thanksgiving with gifts already in our “shopping cart” ready to hit “Buy” as the prices are reduced online.

You see, we have a “Christmas Budget” and before the holidays we determine who will get what and look for the Black Friday Sales (and any other sale) to determine how we can stay UNDER budget. This year we were able to catch some unbelievable bargains as we shopped online for our kids, parents and ourselves. Check out these great gifts we purchased on Amazon and Target this weekend and determine if these bargains are within your Christmas budget!

6 Ways to Stick to Your Budget During the Holiday Season

November and December are the highest grossing months of the year for American retailers. Last year, holiday sales topped $655.8 billion. This year, “the National Retail Federation projects sales to increase between 3.6 and 4 percent for a total of $678.75 billion to $682 billion…” (NRF.com). Billions of dollars are spent on gifts, food, and “catching sales” all within a period of 45-60 days!  Although I love to spend, spending has created a ton of stress, arguments and massive debt for our family; as a result, we learned early in our marriage to create a spending plan during the holiday season.

Here are six things you can implement over the holidays to ensure you spend what you HAVE not just what you WANT.