great-christmas-gift-ideasWith Christmas just around the corner, it’s time to start thinking about the gifts you’re going to buy for your loved ones.  Whether you have a lot of money to spend or just a little, you can give a great gift.  One option is to provide your loved ones with an experience.  Experiences create great memories which will last much longer than a regular doodad would.  Most of us have way too much stuff in our homes as it is, so a gift of experience is a great way to go.

Here are some ideas for gifts of experience that you can give this Christmas:

  • Take your family out horseback riding. If you live near the mountains, consider a beautiful trail ride that your whole family can enjoy.  Take lots of pictures and you will be able to look back at this day for many years to come.

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5 Helpful Tips To Curb Your Holiday Spending

by Leon on November 28, 2014

Christmas shopping can get really expensive.The holidays are known as the most wonderful time of the year, and the fact that you get to enjoy quality time with family members and friends, some of whom you don’t get to see throughout the rest of the year, supports this idea. But the decorations, feasts, and gifts that punctuate the season of giving can quickly leave you digging your way out of debt if you’re not careful. And it’s not uncommon for people to get swept up in the spirit of the season and wind up spending far more than they planned or budgeted for. That said, this could be the year that you reach January first without having to resolve to cut up your credit cards, pay down debt, and start saving for next year’s holiday season. Here are just a few helpful tips that could keep you on track for smart spending habits.

Set a budget. The best place to start if you don’t want to overspend is by setting a budget for your holiday shopping. This should include allocating funds related to what you plan to spend on all of your holiday needs, including travel expenses, decorations, food, and gifts. Of course, the area you’re most likely overspend is on gifts, so you need to be particularly careful about figuring out who you want to purchase gifts for and how much you plan to spend on each person. This pre-planning will help you to control your spending and stick to your budget so that you don’t wind up going into debt on behalf of your loved ones. They wouldn’t want you to suffer just so they can get pricier gifts.

Cut your gift list. It’s tempting to get gifts for all of the people who touch your life, from your immediate family, to close friends, to coworkers, to your hair stylist and the barista who serves you coffee every morning. But if you’re working with limited funds, you need to cut to the chaff. Think about the people who really matter to you and take everyone else off your gift list. Or give additional gift recipients something inexpensive like homemade cookies.
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6 Smart Ways To Save Money On Holiday Gifts

by Leon on September 17, 2014

holiday shopping tipsThere’s nothing quite like witnessing the awe and excitement when kids come downstairs on Christmas morning to see a pile of presents under the tree, or the joy of presenting a Hanukkah gift that your child has been begging for. In fact, people can get so caught up in these special moments that they’ll spend any amount of money to ensure gift recipients are pleased. Unfortunately, this often leads to rampant overspending, made all the more likely by the many sales that encourage holiday shoppers to blow their money on great deals for items they don’t really need. We’ve all been caught in this trap. But there are ways to save this holiday season and reach the New Year without having to take a second mortgage on your home in order to pay credit card debt.

Start with a budget. If you want to save money you absolutely must set a budget and find ways to stick to it. If you start spending willy-nilly, you’re going to go overboard. With a budget in place you can calculate how much you need to spend on each person, shift allocations if you end up spending a little more or less than anticipated, and come in at or under your budget by the end of the holiday shopping season.
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Christmas Gift Ideas For Moms

by Guest on December 17, 2013

christmas gift ideas for mom

It is quite difficult to choose gifts for moms. You surely want the gift to be really special since a mother counts a lot in your life. This type of tension can easily lead to various problems in the sense that you might believe that nothing is good enough for her. You need to loosen up a little. No matter what you buy, your mom will surely love the gift. However, it is always better to choose something that is appreciated.

Let us think about some interesting gifts for mums that will surely be a hit and offer some pointers about how to choose something of a suitable quality. Remember that buying online is always a good idea but you need to hurry since Christmas is right round the corner.
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Are You Sure You Cannot Afford It?

by Pam on November 30, 2013

can you afford itHave you ever stopped to think about how many times you’ve said “I can’t afford that”, but what you really meant to say is that you haven’t made “that” a priority?  Of course there really are things you can’t afford, but many times we can afford things but we say we can’t.  Why do you think that is?

To me it all boils down to our priorities.  We will make sure we can afford the things we make our priorities, but we will offhandedly say we can’t afford anything that we could care less about.   For instance, imagine our son tells us he would like to go to summer camp.  Would you tell him you can’t afford it or would you be willing to forfeit a few restaurant meals to ensure you could afford to send your son to camp?

If we are honest with ourselves, I hope we will examine our priorities and find out if we are using our money in the best way possible to meet our goals but also to ensure that we are not hoarding all of our financial resources.  We need to think of others and not just ourselves.
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An Easy Way To Christmas Shop For Less

by Pam on November 13, 2013

christmas shopping online saves stress and is a lot of funI had a great time Christmas shopping this year.  I don’t really enjoy shopping in crowded malls, so this year I avoided the mall scene altogether.  I shopped on amazon.ca and found everything I was looking for, and at reasonable prices, too.

Here are some ways to make amazon.ca work for you:

 Take advantage of free shipping.   When I first started shopping, I found a few items I really liked but didn’t pay attention to the shipping fees.  When I proceeded to the checkout I realized that the items I chose did not qualify for free shipping.  Go figure!  I hadn’t noticed that the items I selected were not Amazon products, but instead, were sold by a private seller using the Amazon website. Those products do not qualify for free shipping.  So, after learning this the hard way, I decided to make a point of only looking at the products that are eligible for free shipping.  Amazon provides free shipping when you buy a minimum of $25 worth of products.  That’s a great deal!
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great photo gift ideasChances are that you currently have thousands of photographs on your computer hard drive. You might not know it, but a lot of those photos can make a great, affordable gift for someone you love. There are a number of ways to select the photos you want to share to create gifts for your significant other, a graduation gift for your son or daughter, a baby shower gift,  or an anniversary gift for your husband or wife – the list really is endless. So, if you are looking for the perfect gift – that won’t set you back too much money – why not go with something photo related?

Here are 5 easy and inexpensive photo gift options:

Everyone needs a magnet for their refrigerator. Refrigerator magnets are one of the most utilitarian items in the house. They hold up notes, photographs, drawings, menus, reminders and much, much more. If you want to give someone a photo gift that will last a lifetime, why not make a photo magnet that they can put on their fridge? If it’s a close friend, perhaps you can include a photo from a recent vacation or an event you attended together. Also, Father’s Day is coming up; why not make a magnet for dad?
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