Happily Surviving The Holiday Season With No Debt
Here’s the thing, I don’t want to be in debt for the rest of my life. I don’t want to have to recover after the holidays after indulging in food, liquor, shopping, and couch potatoing around. I don’t want my energy to be drained to impress people.
So what is the solution?
I came up with a few… AKA I did some research and found advice from much wiser people that empowered me. Here’s what I found:
[dropcap type=”default”]1[/dropcap] Communicate – Don’t want to host the holidays at your house or don’t have the resources? Verbalize it. Let your family members or friends know that you will not be able to host this year but can gladly bring a dish to someone else’s home. It’s like a ripping off a band-aid. It may hurt a little at first but it will feel 100% better when it is over.
Benefits:
– Stress levels will substantially decrease
– Your home should stay cleaner – however, make sure you help clean up the house of the host
– You get to leave the party when you want
– You will be able to save money on decorations/food and put that towards paying your debt
– Peace of mind
Here’s the inspirational quote I posted on my Pinterest last week. I hope it encourages you to communicate with others this holiday season.
[dropcap type=”default”]2[/dropcap] Secret Santa – Instead of buying multiple presents that you are unsure people will like, encourage a Secret Santa. The presents are much more meaningful and allow you to focus on one person vs. a hundred other people. I loved doing this with my family last year. Everyone received something that they cherished.
Benefits:
– Feel amazing knowing that you gave someone a gift that they will love
– Receive a meaningful gifts
– Save time and energy shopping
– Save money to pay off your debt/bills
[dropcap type=”default”]3[/dropcap] Gift Experiences – I’ve said this before and I will say it again. Things don’t bring happiness. Do you remember all the things you were gifted last Christmas or the year before? You probably don’t. Yet, I can always remember the gift of experiences.Gilovich explains:
Our experiences are a bigger part of ourselves than our material goods … You can really like your material stuff. You can even think that part of your identity is connected to those things, but nonetheless they remain separate from you. In contrast, your experiences really are part of you. We are the sum total of our experiences.
Benefits:
– Adds memories to someone’s life that they will not forget
– Increases joy
– Extremely thoughtful
[dropcap type=”default”]4[/dropcap] Make Something – Has someone ever made something specifically for you? I have and it was the sweetest thing ever. I still remember it to this day. Marketing schemes have made us believe that what we create isn’t as good as the stuff they are selling. Do NOT believe the lies. Your DIY does not have to be perfect. The fact that you would spend the time to make something for someone else is a representation of what the holidays are truly about.
Benefits:
– They are one of a kind
– They are made with love
– You get to be creative
[dropcap type=”default”]5[/dropcap] Family Activity – My family tends to sit around and eat all day, that is literally all we do. Now I love sitting and eating but I know that the next day I am going to regret it. This year I mapped out a short walk, packed some board games, a pump for bike tires, and a basketball. We only get to spend a few precious days with each other. As I stated before you remember experiences. I would be naive to think my entire family will be up for all the things I have planned but even if we do one of the activities I know that it will make the holidays memorable.
Benefits:
– An inexpensive way to have fun with the entire family
– Creates sweet memories
– It is harder to get upset at one another if there is an activity at task
– Physical activities release endorphins making everyone feel a little happier
[dropcap type=”default”]6[/dropcap] Make a list – Stay on track by making a list of people and gifts that you would like to get them.
Benefits:
– You’ll have a plan and feel empowered
– You won’t spend on excess
– You will feel confident to know you didn’t miss something or someone
[dropcap type=”default”]7 [/dropcap]Shop Online – I don’t know about you but the Target Effect gets me at every store – I go in for one item and leave with way too many. Instead this holiday seasons I am shopping online and sticking to my list. I use Ebates before I check out to get cashback. I also use a really hand dandy tool called Honey. It saves me time by applying coupons it has found to my check out. I even go to the extent of shopping for my groceries online. I believe most Walmarts have that option. You can place your order online and park in the designated area for “online pickup”.
Benefits:
– Avoid the jam-packed stores
– Little stress involved if any at all
– End up saving because you stick to what you came for
– Quality purchases
[dropcap type=”default”]8[/dropcap] Unsubscribe – It’s not just you, advertisements follow you everywhere. It is no wonder we feel overwhelmed and like we NEED more stuff. This holiday season do yourself a favor and unsubscribe from all store emails. Don’t worry about missing out on coupons – simply use the tool, Honey, I mentioned earlier before checkout. Don’t want to manually unsubscribe to all your emails? Use unroll.me – it is a free unsubscribe service that saves you so much time!
Benefits:
– Avoid buying things you didn’t even know you needed
– Helps you stay on track
– You will not feel like you are missing out because you don’t even know what sales you’re “missing out” on
– You will only purchase things that you know you need
[dropcap type=”default”]9[/dropcap] Unfollow – It’s very important to unfollow brands on social media. They are about to market harder than they have all year long. They are spending a huge portion of their marketing budget right now to get you to shop (believe me I know since my full-time job is a Marketing Manager). The same goes for social media influencers. You will start to see more and more ads. Unfollow brands and people who make you feel like what you have is not good enough.
Benefits:
– Peace of mind
– You will start to think and focus on more important things
– You will spend your energy on things that bring you joy
– The fewer people you follow the less you have to scroll for updates
– Saves you time
– Makes you feel good
– Get control of your feed
[dropcap type=”default”]10[/dropcap] Budget – I left the B word for last. There is nothing that makes you feel more like an adult than creating a budget and sticking to it. I used to HATE budgeting with a passion but now I feel empowered. I know how much money I have and how much money I am going to spend. For those of you who have no idea where to start, I highly suggest using Mint. It is literally the only financial website I use and the best part is that it is free.
Benefits:
– You will be back in control of your money, not the other way around
– Confident in knowing you will have enough money to make the purchases you wanted
– Feel good knowing that you will still be able to pay your bills
Remember ladies, you have buying power. You ultimately can decide on what business you support. They need you, you don’t need them. Do your research this holiday season. Lastly, don’t forget what the holiday season is all about. Big businesses have morphed it into something so materialistic. You don’t need to keep up with the Jones. Hug the ones you love. Jesus is the reason for the season. Be compassionate with yourself and the ones around you.
Matt D’ Avella made an incredible video on “The Truth of Black Friday” I encourage every single one of you to watch it. It will inspire you to want to spend your money more meaningful.
Until next time – love others,
Selene Kinder
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How I got my husband back after he left me and our son for another woman. My name is Alice Becker, from the United States. My husband and I have been married for about 4 yrs now. We were happily married with a 2yrs old son. 3 months ago, I started to notice some strange behaviour from him and a few weeks later I found out that my husband is seeing someone. He started coming home late from work, he hardly cares about me or the kids anymore, Sometimes he goes out and doesn’t even come back home for about 2-3 days. I did all I could to rectify this problem but all to no avail. I became very worried and needed help. As I was browsing through the internet one day, I came across a website that suggested that Priest Odin can help solve marital problems, restore broken relationships and so on. So, I felt I should try him out. I contacted him and told him my problems and he told me what to do and I did it and he did a spell for me. 48 hours later, my husband came to me and apologised for the wrongs he did and promised never to do it again. Ever since then, everything has returned back to normal. My family and I are living together happily again.. All thanks to Priest Odin. If you have any problem contact him and I guarantee you that he will help you.
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Bringing Back Lost Lover Spells by Traditional Healer involves abilities of my ancestors and a combination of spiritual powers, I deliver powerfully bring back lost lover spells, So many people are looking for the next best thing and many turn to magic to find it. One such area in life is love and while some find it, others lose it because they simply want better. Having experienced perfect love anything after is not the same. For this reason, people use Bring Back Lost Lover Spells.
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My Boyfriend threatens to broke-up with me if I dare question him about his affair with other girls, I was totally devastated and confused until i came across a great spell caster on the internet Dr kansara who help people with their relationship and marriage problem by the powers of love Spells, At first I doubted If such thing ever exists but decided to give it a try, When I contact him, he told a spell is on him that make him threatens me,he told me not to worry that he will help me and truly he helped me cast a reconciliation spell and within 28 Hours my boyfriend came back to me and started apologizing,he promise ever to go out with any lady. Here’s his contact..WHATSAPP: +918200232522 Email: (spelltempleforlovers@gmail.com) am grateful to Dr Kansara for your help more grace sir.
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i will never stop until the whole World knows about the MOST powerful priest maurice whose contact details I saw in a comment section here few weeks ago, so and i decided to contact him because i was badly in need of help TO SAVE MY MARRIAGE, I explained my situation to PRIEST MURICE. that Everything was going down the drain as my husband WAS constantly cheating on me with other women and he physically abuse me. priest maurice promised to help that my husband will change and will love me unconditionally in less than a week as far that my heart still beats for him. I FOLLOWED HIS INSTRUTION and he prepared a spell for me and my husband called me exactly when priest maurice said. He pleaded and said he needs me back since then he have been the sweetest man on earth. anyone out there reading this comment that need a effect spell caster Can reach him on email:psychicspellsolution@gmail.coM whatsapp:+1(571)3573337
Am writing this article to thank Dr. Jumba, the powerful spell caster that helped me recently to bring back my ex lover that left me for another woman for no reason for the past 8 years. After seeing a post on the internet by Jenna from the USA saying how she was helped by Dr. Jumba, I also decided to contact him for help because I had no choice. All I wanted was for me to get my lover back and happiness. To my greatest surprise my lover came home on his knees that i should find a place in my heart to forgive him, I was truly astonished and shocked when my lover knelt down begging for forgiveness and for me to accept him back. I am really short of expressions, and I don’t know how much to convey my appreciation to you Dr. Jumba. You are a God sent to restore a broken relationship, And now I’m a joyful woman. his contact details are; wiccalovespelltools@gmail.com . Website : https://drjumbaspellhome.wordpress.com
I never thought I would be known for winning the lottery in NEW YORK. I am so grateful to DR AMBER for all he has done for me. I wouldn’t have been able to win a CENT on the lottery if not for the help of DR AMBER who gave me perfect winning numbers to play the lottery that made me the winner of $10,000,000 DOLLARS in 2019. I got in touch with him again in request for sure winning numbers to play the lottery. He told me what to do and I did all he instructed & required to get the spell prepared for me and within 3 days, he gave me the perfect numbers to play the lottery and could you believe that I won $10,000,000 DOLLARS after playing the lottery making it the second time I have won and I haven’t finished spending the last one I won in 2019. DR AMBER is truly a God sent and I highly recommend him to anyone that needs help to win the lottery. You can reach him with +1 (808) 481-5132 or email: [ amberlottotemple@yahoo.com ].
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Dr Amber is a life saver! Not only do I love him as a life saver but also because his spells never fails. He rescued me from poverty and brought happiness and peace into my home. I’ve been playing the lottery since I was 22 years old and the biggest amount I have ever won is $1200 bucks. On this fateful day, my life turned around from story to glory when I found various reviews of this man named Dr Amber on the Internet saying that he’s the best when it comes to casting of powerful spells. This man is a very strong Haiti Voodoo Doc who gives out numbers that can never fail to play the lottery. After all my years of laboring and struggling to win the lottery, I finally won ( $200,000.00) after Dr Amber casted a lottery spell for me and gave me the correct numbers to play the lottery. Right now, my long awaited blessings has finally come to me and I thank Dr Amber for his help. Get in touch with him for any help via email: ( amberlottotemple@yahoo.com ) or with his current number +1 (808) 481-5132.
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This is my testimony about the good work of priest wisdom who helped me … I’m Ann Earnis from North Carolina USA. And am sorry for putting this on net but i will have to, by this world best spell caster that brought back my husband who left me out for past 3 years, i eventually met this man on a blog site posting by one of is client for help, i explained everything to him and he told me about a spell caster that he had heard about and he gave me an email address to write to the spell caster to tell him my problems. In just 1 days, my husband was back to me. I just want to say thank you to this truthful and sincere spell caster, sir all you told me have come to pass and thank you sir. Please I want to tell everyone who is looking for any solution to their problem, I advise you to kindly consult this spell caster, he is real, he is powerful and whatever the spell caster tells is what will happen, because all what the spell caster told me came to pass. You can kindly contact him on: his email address is supernaturalspell1@gmail.com or directly on whats-app +2348124644470 https://supernaturalspell21.blogspot.com/ facebook page: https://web.facebook.com/watch/PRIESTWISDOM11/
HOW I GOT MY HUSBAND BACK WITH THE HELP OF PRIEST WISDOM CONTACT ON WHATS_APP NUMBER +2348124644470
This is my testimony about the good work of priest wisdom who helped me … I’m Ann Earnis from North Carolina USA. And am sorry for putting this on net but i will have to, by this world best spell caster that brought back my husband who left me out for past 3 years, i eventually met this man on a blog site posting by one of is client for help, i explained everything to him and he told me about a spell caster that he had heard about and he gave me an email address to write to the spell caster to tell him my problems. In just 1 days, my husband was back to me. I just want to say thank you to this truthful and sincere spell caster, sir all you told me have come to pass and thank you sir. Please I want to tell everyone who is looking for any solution to their problem, I advise you to kindly consult this spell caster, he is real, he is powerful and whatever the spell caster tells is what will happen, because all what the spell caster told me came to pass. You can kindly contact him on: his email address is supernaturalspell1@gmail.com or directly on whats-app +2348124644470 https://supernaturalspell21.blogspot.com/ facebook page: https://web.facebook.com/watch/PRIESTWISDOM11/ …
HOW I GOT MY HUSBAND BACK WITH THE HELP OF PRIEST WISDOM CONTACT ON WHATS_APP NUMBER +2348124644470
This is my testimony about the good work of priest wisdom who helped me … I’m Ann Earnis from North Carolina USA. And am sorry for putting this on net but i will have to, by this world best spell caster that brought back my husband who left me out for past 3 years, i eventually met this man on a blog site posting by one of is client for help, i explained everything to him and he told me about a spell caster that he had heard about and he gave me an email address to write to the spell caster to tell him my problems. In just 1 days, my husband was back to me. I just want to say thank you to this truthful and sincere spell caster, sir all you told me have come to pass and thank you sir. Please I want to tell everyone who is looking for any solution to their problem, I advise you to kindly consult this spell caster, he is real, he is powerful and whatever the spell caster tells is what will happen, because all what the spell caster told me came to pass. You can kindly contact him on: his email address is supernaturalspell1@gmail.com or directly on whats-app +2348124644470 https://supernaturalspell21.blogspot.com/ facebook page: https://web.facebook.com/watch/PRIESTWISDOM11/ .//…..
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