How To Reduce Expenses With Fun Gift Exchanges

Christmas Gift game to Save money

If money is tight and you are looking for a way to reduce expenses but still have fun, these two gift games are for you. You’ll learn more about others while playing the game. There is the White Elephant Exchange and the Christmas Gift Exchange. Instead of buying gifts for a long list of people, these games can limit the gifts given, but still be fun and memorable.

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How to Set Up Cash Envelope System

cash envelope system

Handing your credit card over to the store clerk and just charging it is quick and easy. There’s no waiting and you get that new item right then and there. THEN, the BILL arrives at home in the mail. That is when it is not fun anymore. The newness of the item we bought is gone or we’ve forgotten how good the food was at the restaurant. By switching to a cash system for certain items, the possibilities to save more increases.

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How to Build an Emergency Fund

Emergency Fund

It is not a matter of “if”, but instead “when” those unexpected expenses will come up. The car breaks down and you also need money to tow it to get fixed. The air conditioner in the house went out, a tree needs to be cut down, or a Hurricane is headed your way and you need to buy things to prepare. This events will be stressful, but can you image the feeling of knowing you have an emergency fund? That lightens the load you have to carry a bit.

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Steps to Financial Peace – Budget 101

Budgeting - expenses and calculate

Do you feel like you are limping from pay check to pay check? We’ve all been there. These 5 steps will get you to managing your money to know where every dollar is spent how you want it to be, including fun items. Without a budget, you can make more money then you did years ago and still not be making ends meet. Many people spend more as they earn more. It is similar to the more space you have in-house, the more items you buy because now you have more room for it.

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