January 7th, it’s been seven days that the Holidays are over already. The credit card bills are coming in a week or two and nobody wants to open them! Well, this could be your situation if you did not plan ahead your Christmas budget. Don’t worry; you are not the only one in this situation. Even if I made a budget and promised to stick to it, like every Xmas, I spent more than expected (but my family and friends were really happy about their gifts! LOL!). So it’s time again to get frugal and try to save additional money in order to refill your wallet.
A few tips to start the year
– Brownbag your lunch: If people came over your house during Christmas, you probably have enough food to spend two weeks in a nuclear bunker. Freeze most of what you can and use this food to prepare your lunch.
– Apply for a 0% transfer credit card: If your credit cards are loaded and their payments are coming sometimes in January, you might to consider applying for a 0% balance transfer credit card. This kind of promotion is usually valid for 6 months to a year. This should be enough to put your finance back on track. Please note that this is not a technique to use every year. You must become more responsible with your Christmas shopping!
– Check out for the January and February sales: This trick is for those who did not max out their credit cards yet. Everybody knows that winter is a very bad time for sales. Therefore, they drop their price significantly. Last year, I bought 3 suits for the price of one and I was at a great boutique; not some cheap place. I’ll definitely go back to the same store this year!
– Start a diet and a workout program: While the diet will make you save money and weight, the workout program will become an additional expense. However, I discover that there is a negative correlation between working out a dinning out. Which means that you pay a fix cost a month to workout and the more you go, the less you will be tempted by McD’s French Fries!
– Take the metro and the bus: The beginning of the year is a great time to take resolution. Why don’t you save some money on gas and give a second breath to our planet at the same time? Using the bus and the metro will also relieve you from the traffic stress.
(btw, I write most of my articles in the bus, it is just a great place to take time for yourself!).
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