Celebrating Christmas Ezine Vol. 1, Issue 3

CHRISTMAS BUDGET SPECIAL

Ezine Published by 'Celebrating Christmas'
Celebrate Christmas in Style!


11.26.2004
 

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Editor's Note

In most households, the entire budget needs to be adjusted at accommodate the expenses of Christmas. What with gifts to give, cards to exchange, decorations to put up and pantry supplies to be stocked up, Christmas can be a very expensive affair. Today's issue is dedicated to making your Christmas more merrier without being expensive. Taking hold of money matters now and planning your way to a frugal Christmas dinner and decorating, you are sure to enjoy the festivities of the season without thinking about your empty purse.


Contents:

1. What's New at Celebrating Christmas Website
2. Christmas Survival Tips
3. Christmas Budgeting
4. Christmas Decorating on a Budget
6. Useful Info

What's New at Celebrating Christmas Website

Download 'Celebrating Christmas' Magazine FREE!
Packed with illustrated articles on holiday recipes, crafts, home decor, party planning tips, gift ideas and family fun activities for Christmas to help you celebrate a better, merrier and stress-free Christmas. The ultimate combination of a 'Home and Lifestyle' and 'Holiday' magazine. Print issues also available!

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Crocheted Christmas Tree
A perfect gift idea for all you Crochet lovers. A pretty Christmas Tree made with Green Knitting Yarn over a Soda bottle and decorated with tiny garlands, Christmas lights, beads and bows.

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Christmas Tree Ornament Crafts
Decorate your Christmas Trees with various beautiful, unique, easy and fun-to-make Christmas Tree Ornaments like Victorian, Felt, Angel, Dough, Craft Sticks etc.

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CHRISTMAS SURVIVAL TIPS

Kitchen

1. Check on your stock - Baking ingredients, sugar, nuts, oils, spices, chocolate etc.
2. Check the condition and availability of your cooking and baking pots and pans.
3. Get your appliances serviced and blades and knives sharpened.
4. If you have a loose electrical switch, get it repaired. You don't want to be left stranded on the day of a party or dinner.
5. Check your burners and grates


CHRISTMAS BUDGETING

Tips to Avoid Excessive Holiday Debt

The familiar swishing sound in malls when a credit card is swiped doesn't sound pleasant in April when you are still paying off your Christmas debts. The one and only key to reducing your holiday debts is timely and effective planning.

Develop a holiday budget. Your holiday budget is the amount of money that you can devote to holiday expenses. It's a good idea to start the budgeting process by examining last year's holiday expenses. This will uncover hidden expenses like cards, postage, food, decorations, wrapping paper and parties. Be sure to add an extra $20 to $100 for unexpected expenses. Once you come up with a figure that you and your family can live with, stick with it. 

Create a holiday gift list. Limit your gift buying to close friends and family; give everyone else a greeting card with a personal note. Once the list is completed, decide how much you want to spend on each person. Keep the list with you at all times along with clothing sizes and favorite colors so you can take advantage of bargains you may come across. Keep accurate records of what you spend on each person. 

Begin a holiday savings plan. Holiday gifts are one of those annual expenses that consumers know about but don't budget for. That amount of money could make a big dent in an already strained budget. If you could use some extra money for your holiday purchases, you could always pack lunches for a few weeks, rent videos instead of going to the movies and avoid Automatic Teller Machines (ATMs) that charge for their services. 

Consider no-fee layaways. This allows you to reserve a favorite holiday gift while you save up for the purchase. You also avoid the interest payments you would have incurred had you charged the item. 

Use credit wisely. Pay with cash when you can. If you have to use credit, put your charges on the card with the lowest rate and pay it off within 90 days to hold interest payments down. If you are near your credit limit, put your credit cards on ice and consider low-priced or no holiday gifts this year.

Start early. People tend to spend more if they start later as they start to panic and do not comparison shop. Never shop while in a rush and before you buy, take some time to consider if the gift is really appropriate for the recipient and within your spending limit.

Follow these tips and you will have little or no holiday debt to pay off in the coming year. And one last and most valuable tip: The money value of the gift is not related to the sentiments it expresses. You do not need to buy and expensive gift to show you care.


CHRISTMAS DECORATING

Christmas Decorating on a Budget

If you are like many other people, your entire household budget needs to be adjusted to accommodate the expense of Christmas. Not only are there gifts to buy, but decorations have become incredibly expensive. Here are a few ideas to add some new touches to your holiday decorating without the expense of purchasing new ones.

If you can decide on a Christmas decorating theme, it will save you money in the long run. You will have a purpose in your decorating and by doing so will eliminate several choices that simply won’t match your ideas. There will be no more picking up the cute snowman or Santa plush that is irresistible. As of now, it is irresistible because does not fit into your theme. Some decorating theme ideas include a country Christmas, Christmas toy land, old-fashioned Christmas, Victorian Christmas and any other possible theme you can think of. The more thought you put into your Christmas theme, the more likely you are to come up with the perfect one for your home- and it didn’t cost you a penny.

Whatever your theme might be, when you are getting ready to decorate go for a walk and collect evergreen branches and limbs to decorate around your home. The smell is perfect for the holidays and the evergreen will look gorgeous on the front door, mantle, stairs or wherever you decide to place it.

If you find the opportunity while you are collecting your evergreen or another time, collect several large pinecones. If you attach three or your desired number of pinecones together with a ribbon, they will look very festive hanging from windows, doorknobs or other locations. If you are feeling particularly creative, drizzle the pinecones with glue and disperse silver or gold sparkles over them. They will reflect light beautifully and look as though you spent quite a bit of time on them.

Place small groups of cinnamon sticks with decorative ribbon tied around them all over your home. Potpourri is quite expensive for a full and delightful scent. Cheat this year and enjoy a scent straight from Mother Nature.

Just about every ‘dollar’ store chain offers an assortment of baskets. Get a can of spray paint and paint those baskets gold, red or green and fill then with pinecones or another festive filler. Evergreen boughs work as well and can be found at no cost in every city.

Felt scraps can be very inexpensive and you just might have some lying around your home. Use that felt to make a unique Christmas garland. You can cut the felt into shapes that will fit your theme or simply cut them into strips and braid them together. Remember to tie each end to the next when creating your original garland.

Finally, if you add a teaspoon (maybe a little more) to acrylic paint you can make sponge shapes on your windows. You can even cut a sponge to suit your decorating theme. By adding the soap, the paint should wash off when you are ready to remove it. Use any non-scratching sponge if you come across a difficult spot.

Christmas is such a joyous yet stressful time of year for most of us. May these ideas lessen your tension and bring you the joy of creating your own, originally decorated home.

NOTE: This article first appeared in the 2004 issue of 'Celebrating Christmas PDF Magazine'. To download the complete 2004 issue fre*e of cost, visit http://www.celebrating-christmas.com/magazine.shtml


C' Ya next week,
Lata Tokhi.

Useful Information

'Celebrating Christmas' Ezine is published by Lata Tokhi, Editor & Contributing Author.

You can send your feedback to lata@celebrating-christmas.com. Send in your short (yes! I mean that!) articles, tips etc. at lata@celebrating-christmas.com

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