{"id":1319,"date":"2022-12-07T21:22:00","date_gmt":"2022-12-07T21:22:00","guid":{"rendered":"https:\/\/staging.goodfund.us\/?p=1319"},"modified":"2023-09-07T21:26:09","modified_gmt":"2023-09-07T21:26:09","slug":"holiday-spending-tips","status":"publish","type":"post","link":"https:\/\/staging.goodfund.us\/es\/2022\/12\/holiday-spending-tips\/","title":{"rendered":"Holiday Spending Tips"},"content":{"rendered":"<p><em>Written By: Capital Good Fund Financial Coaching Team <\/em><\/p>\n\n\n\n<p>The decorations and songs may be the same but rising inflation and fuel prices are making this holiday season financially challenging for many people. Nearly nine in ten consumers Numerator polled say they expect inflation to impact their holiday shopping with 59% describing the impact as moderate or significant. Many people feel like they are pinching pennies more than last year.<\/p>\n\n\n\n<p>However, there are ways to keep things jolly while stretching your holiday dollar.&nbsp;<\/p>\n\n\n\n<p>Plan ahead \u2013 Set a budget for how much you want to spend for the holiday season that not only includes gifts, but factors in other costs such as travel (including gas), food, clothing, and decorations. Make a detailed list or spreadsheet of the people you are planning to buy gifts for, including how much you want to spend on them and some possible alternative gifts for them.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Don\u2019t impulse buy \u2013 Compare prices on an item from a few stores and online options before purchasing. Consider leaving an item in your online shopping cart for a day or two to help determine if you really want to get it.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Beware of credit cards \u2013 Monitor your purchasing habits concerning credit cards. It\u2019s tempting to charge everything but keep in mind that interest rates can add up and missed payments can have a lasting impact on your credit score.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cut unnecessary costs \u2013 The tree may not be the only thing that needs to be trimmed. Send an email holiday card instead of paying to have one printed that you must buy stamps to send; use any wrapping paper you may have left over from last year before buying new rolls and don\u2019t be afraid to reuse gift bags, gift boxes, and tissue paper that are in good shape.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consider alternative gifts \u2013 Depending on your interests and talents think about making something as a gift. The raw materials for a craft or a sweet treat can cost far less than a finished product.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Time your purchases \u2013 Although the best time to shop for holiday gifts is in January, keep an eye out for sales. Black Friday is always great for buying electronics; there are deals on Cyber Monday each year and don\u2019t forget Small Business Saturday, which helps businesses within your community.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Take advantage of resources if you need them \u2013 There are many organizations to help people who don\u2019t have the resources to buy gifts or cook a large holiday meal including Toys for Tots, Salvation Army, community centers, food pantries, local nonprofits, and several religion-based organizations. Most have websites connecting people with organizations in their area and the application requirements.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>With some planning and care, you can enjoy a worry-free holiday season.&nbsp;<\/p>\n\n\n\n<p>Good luck!<\/p>","protected":false},"excerpt":{"rendered":"<p>Written By: Capital Good Fund Financial Coaching Team The decorations and songs may be the same but rising inflation and fuel prices are making this holiday season financially challenging for many people. Nearly nine in ten consumers Numerator polled say they expect inflation to impact their holiday shopping with 59% describing the impact as moderate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1320,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-1319","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-coaching"],"_links":{"self":[{"href":"https:\/\/staging.goodfund.us\/es\/wp-json\/wp\/v2\/posts\/1319","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.goodfund.us\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.goodfund.us\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.goodfund.us\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.goodfund.us\/es\/wp-json\/wp\/v2\/comments?post=1319"}],"version-history":[{"count":1,"href":"https:\/\/staging.goodfund.us\/es\/wp-json\/wp\/v2\/posts\/1319\/revisions"}],"predecessor-version":[{"id":1321,"href":"https:\/\/staging.goodfund.us\/es\/wp-json\/wp\/v2\/posts\/1319\/revisions\/1321"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.goodfund.us\/es\/wp-json\/wp\/v2\/media\/1320"}],"wp:attachment":[{"href":"https:\/\/staging.goodfund.us\/es\/wp-json\/wp\/v2\/media?parent=1319"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.goodfund.us\/es\/wp-json\/wp\/v2\/categories?post=1319"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.goodfund.us\/es\/wp-json\/wp\/v2\/tags?post=1319"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}