ابق خالية من الديون في عيد الميلاد هذا – أهم 10 نصائح
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ابق خالية من الديون في عيد الميلاد هذا – أهم 10 نصائح
يمكن أن يكون الكريسماس وقتًا مرهقًا من الناحية المالية لكثير من الناس ويخرج المرح من موسم الأعياد.
الشيء المضحك في عيد الميلاد هو أنه يحدث كل عام وفي نفس الوقت من كل عام! لذلك مع القليل من التخطيط ، يمكنك التخلص من التوتر والبقاء خاليًا من الديون.
فيما يلي أهم 10 نصائح لمساعدتك في الوصول إلى الطريق الصحيح: –
نصيحة 1.
اكتب قائمة بالأصدقاء وأفراد الأسرة الذين ترغب في تقديم هدية لهم.
حدد بعد ذلك ميزانيتك الإجمالية لعروض عيد الميلاد. أضف إلى جانب كل اسم حدًا أقصى للقيمة بالدولار للهدية وتأكد من أن المبلغ الإجمالي لا يتجاوز ميزانيتك!
إذا كانت لديك أفكار للهدايا ، فابدأ في إدراجها الآن – سيساعدك ذلك على أن تكون رحلات التسوق الخاصة بك أكثر تركيزًا.
تلميح 2. التمسك بالخطة
عندما تقوم بشراء هديتك ، التزم بالخطة – تجنب الشراء الاندفاعي. قد يكون هذا الاستريو “صفقة” رائعة ولكن إذا تجاوزت ميزانيتك ، فعليك الاستمرار في المشي.
أنا متأكد من أن لديك ذوقًا رائعًا في الهدايا – هل سبق لك شراء هدية لشخص ما وشرائها لنفسك أيضًا؟ ستحصل على الكثير من الهدايا لعيد الميلاد – لا داعي للشراء لنفسك أيضًا.
تلميح 3. ابدأ الآن
بدلاً من الانتظار حتى أسبوعين قبل عيد الميلاد وإنفاق كل أموالك في فترة زمنية قصيرة ، ابدأ في الشراء الآن. من الأسهل بكثير شراء هدية واحدة في كل يوم دفع بدلاً من 10 دفعة واحدة. اعثر على مكان جيد للاختباء في دولابك!
نصيحة 4. استخدم LAY-BY
بطاقات الائتمان سهلة ومريحة ، لكن إذا كنت تعاني من ديون خلال عيد الميلاد ، اتركها في المنزل! تعتبر أسعار الفائدة على الأرصدة الشهرية غير المدفوعة تكلفة غير ضرورية.
إذا كنت قد بدأت في التسوق مبكرًا ، فيمكنك دفع مبلغ صغير في كل يوم دفع من راتبك دون الخوض في الديون. تبقيك في الإنفاق تحت السيطرة.
تلميح 5. لديك خطة توفير
لديك حساب مصرفي منفصل لمدخرات عيد الميلاد. تمتلك العديد من البنوك حسابات تربح فائدة “مكافأة” إذا قمت بالإيداع ولم يتم سحب أي عمليات سحب خلال شهر.
العديد من هذه الحسابات ليس لها رسوم بنكية. يمكنك ترتيب تحويل المبالغ المحددة تلقائيًا إلى هذا الحساب في كل يوم دفع.
إذا كنت لا ترى ذلك ، لا يمكنك إنفاقه! إذا كنت مرتاحًا للخدمات المصرفية عبر الإنترنت ، فهناك أيضًا حسابات “افتراضية” جيدة مع اتحادات ائتمانية تدفع حوالي 5٪ سنويًا وتسمح لك بتحويل الأموال من الحساب دون أي عقوبة.
تلميح 6. فكر خارج الميدان
إنه حقًا الفكر الذي يهم لذا فكر خارج الساحة. يحب الناس الهدايا التي لها لمسة شخصية لهم.
اصنع شوكولاتة عيد الميلاد وملفات تعريف الارتباط والمربى وغيرها لتقديمها للأصدقاء
أعط قسيمة هدية لمدة 10 ساعات من مجالسة الأطفال
التبرع لجمعية خيرية باسمهم
أعط قسيمة لمدة 5 أيام جز العشب (يتم توفيرها من قبلك)
تلميح 7. أشرك عائلتك
ناقش خطتك للتخلص من الديون مع عائلتك وناقش الطرق التي يمكن أن تشارك بها الأسرة بأكملها.
لا توجد قواعد – ابحث عن شيء يناسب عائلتك ويحافظ على متعة عيد الميلاد. إحدى الأفكار الشائعة هي عدم شراء الهدايا لجميع البالغين في الأسرة – فقط الأطفال.
يختار كل شخص من البالغين اسمًا ويشتري هدية لذلك الشخص البالغ نيابة عن العائلة بأكملها. عيد الميلاد يدور حول الحب والمشاركة وليس حول عدد الهدايا التي تتلقاها. من المحتمل أن تجد أفراد العائلة الآخرين يشعرون بالارتياح لأنهم قادرون على تقليل إنفاقهم على عيد الميلاد أيضًا.
نصيحة 8. قهوة أخرى؟
ابدأ في إدراك ما تنفقه على “الإضافات الصغيرة” كل أسبوع – القهوة هي المكان المفضل لدي للبدء.
قد يكلفك شراء فنجان واحد فقط من القهوة في اليوم ما بين 10 – 15 دولارًا أمريكيًا في الأسبوع … قد يكلفك شراء وجبة غداء كل يوم في العمل 25 دولارًا أمريكيًا على الأقل في الأسبوع.
أعتقد أنك تفهم ما أعنيه. إذا كنت جادًا بشأن الابتعاد عن الديون ، فابدأ في أخذ غدائك للعمل أو تناول القهوة سريعة التحضير…. ضع الأموال التي توفرها في حساب عيد الميلاد الخاص بك. ستحب السرعة التي يضيفها هذا!
نصيحة 9. اترك البلاستيك في المنزل
هذا صحيح – اترك بطاقة الائتمان في المنزل! إذا لم يكن في محفظتك ، فلا يمكنك شحن الكريسماس لشراءه.
من السهل جدًا أن تتراكم الديون دون أن تدرك ذلك – فبمجرد أن تفعل ذلك ، تتحول كرات الثلج إلى شيء أكبر بكثير مما يمكنك تحمله وتصبح ثقلاً لبدء العام الجديد.
استخدم النقد أو بطاقة الخصم – لا يمكنك إنفاق أموال لا تملكها.
تلميح 10. أن تلتزم
لديك خيار. إذا كنت ملتزمًا بنسبة 100٪ بأن تكون خاليًا من الديون لعيد الميلاد ، فستحقق ذلك.
يتطلب الأمر التركيز والرغبة والانضباط لعدم اتخاذ الطريقة السهلة والمريحة والمكلفة للخروج من التسوق في عيد الميلاد.
“أولئك الذين يريدون النجاح سيجدون بالتأكيد طريقًا ، ومن لا يريدون ذلك سيجدون عذرًا” “ألف طريق إلى الهدوء” ديفيد بيرد
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