On Money Matters and Kirkpatrick & Associates

Holidays are coming, isn’t it the best time of the year? I think this season is the only time when we become generous and selfless, all in the name of giving. I know that most are finishing making their lists and for some it is already done. With all the sales coming-Black Friday and Cyber Monday we all know that there is just one thing that will matter in the end and will define all our decisions-MONEY!

I don’t know if you will agree with me but a lot of times when we allow ourselves to splurge on so many things, we are still very careful not to overspend! The irony of it! Some of tend to try and look for tips to help your money and follow through with it, but how often do you not? We always allocate a certain budget but then we also overdo them. Just one piece of advice, make sure that everything in your budget is settled and in control but if not you can contact Kirkpatrick & Associates if ever bigger problems will arise. Now to add some spice to your Holiday shopping, here are some practical tips that I personally recommend and have practiced for the past years:

• Make your list. It is not only Santa who makes his list, you should too (but make sure you will stick to it). Be sure you have a list (which for whom, who for what) whenever you decide to go and take the plunge. Having a list minimizes unexpected purchases and extra stuff that will surely crash our budget. The list will also be a good guide on the special and important people that shouldn’t be left out on the Holiday list, thus preventing broken relationships.
• Look out for the best places to shop. The mall is the most common place to shop. But be reminded that aside from malls there are other options from where we can do our shopping-like flea markets, thrift shops and small business shops.Take note that more times than not, the prices of goods on these shops are far way better and competitive as compared to mall prices. Aside from that we can bargain if we’re going to buy in bulk and get more discounts.
• Try DIY gifts. Do it yourself gifts are usually appreciated by the receiver knowing that the giver has exerted time, effort and talent in making it commonly called as labor of love. The personalization of the gift makes it more unique and special.

With this, I hope we will all save money during the Holidays, and just remember, it is not on how grand or expensive our gifts will be but rather on the thought that comes along with the gift. As the old saying goes, “it is the thought that counts” and most especially the real essence of the season which is giving. So do you have any tips to share?

*This is s sponsored post but the ideas, opinions and views expressed are purely my own.