Rachel cruze meal planning guide11/9/2022 ![]() ![]() Now, if your child has a late December birthday, gift giving can get complicated around the holidays. Turn off your cell phones, and just spend time with your kids. "Remember," says Cruze, "you can get ten gifts at the dollar store, young kids probably won't know the difference, and no, you're not a bad parent for doing that. Set expectations and say, 'Hey, our Christmas is still going to be fun this year, you're still going to get a gift or two,' but explain why you don't have the money to do X, Y, Z and this is what is best for the family - especially if they're of the age of understanding." ![]() You can spend $15 on a candle and Williams-Sonoma spatula, and there's your gift to someone that they can, and will, really use."Ĭruze advises parents to just be honest with kids about holiday spending if times are tough. "There are many little, simple trinkets out there that make great gifts. Use Web sites like Pinterest to find ideas for inexpensive hostess gifts. If there is any money left, say, 'This is the portion we want to spend on gifts.' Let your financial situation dictate your budget, not what everyone's wants are." "Examine everything you have to spend money on, not including the holidays, and make sure after all that is covered. It you worry about what others are giving, it will steal the joy out of your holiday season, and also your paycheck."Īccording to Cruze, daughter of budgeting guru Dave Ramsey, the best way to begin saving money in the new year is to look at all your expenses this month - December - and all of your needs. "If you try to financially 'Keep up with the Joneses' your whole life, you're going to end up broke," says Cruze. The Ramsey Solutions team member shares some practical advice on how families can avoid overspending. ![]() When it comes to holiday spending, it can also be a downright stressful time of year.įinancial expert and mother Rachel Cruze author of Live Your Life Not Theirs, understands how, and why, parents feel financially burdened around Christmas. The holidays are just around the corner, which means fun, food, family.and finances. It's the most wonderful time of year - as those festive lyrics state - with memories to cherish forever. ![]()
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