Most people have done it at least once: spent more than planned on the holidays. I always takes people by surprise. What is it about money and budgets that they never seem to work? People break up over money. It is an invisible force in our minds that tricks us into buying things we can't afford at the time.
The best way to stop spending too much money during the holidays is to set a budget for how much you can spend, especially on gifts, and then stick to it no matter what. Even if your mind is telling you it's okay.
Even when it's not the holidays, people should keep their spending in check. If you do it all the time, it shouldn't be any different during the holidays.
Sixty-one percent of Americans either don't have an annual budget for their household or think it's hard to stick to it. Fifty percent of people who have tried to keep a household budget have given up. Even if you don't like it, your subconscious mind is doing its thing.
It might be best to stop using credit cards if you want to be responsible with your money. If you know you don't have enough money this month to buy something and pay for it, you might not want to buy it at all. If you don't have a credit card, your mind can't trick you into buying anything.
You might be wondering if you should spend money on the holidays or not. Isn't it just a business game that costs too much for regular people to play? Don't worry, I don't think so. You can get a lot of great things that won't break the bank and will make everyone happy.
Enjoy yourself, and thanks for your time.
