How To Survive The Holidays

How To Survive The Holidays

The holiday season can be fun yet challenging. Everyone wants to share in showing appreciation and love for those they love. You could also spend a fortune in time and money if you are not careful. Here are some tips on how to avoid the catastrophe that will crush the most courageous at heart when it comes to surviving the holidays.

Christmas lights on Aleksanterinkatu.
Christmas lights on Aleksanterinkatu. (Photo credit: Wikipedia)

BUDGET, BUDGET, BUDGET!
Plan a budget for your holiday shopping and stick to it! There are coupons and more coupons that can help you stick to your budget. One trick that works for me is that I go into the store with a list of five things and purchase just those five things and come directly out of the store. This way, I am not overwhelmed with trying to buy everything on my list and I can better gauge what is being spent.

GO TO STORES AS SOON AS THEY OPEN
Going shopping first thing in the morning is a good thing because it will force you to shop with purchase and not casually shop. When you go shopping without a specific purpose for purchases you are more likely to buy things that are more expensive and not what you planned to buy.

RELAX AND ENJOY!
Just because you are shopping with a goal doesn’t mean you can’t enjoy yourself. After all, one of the joys of the holiday season is that you can relax and take in everything around you. So, go shopping and buy a couple of gifts and then go have a deliciously decadent lunch. The resume your shopping after you have enjoyed your lunch.

KNOW WHEN TO QUIT!
Don’t try to complete your list in one shopping trip. When you are tired you will make rash shopping decisions. Take your time and when you start to feel tired take a break.

Most of all, remember how blessed you are. Now there’s the things you can get for free to help with your budgetary goal. One of them is free Turbo Tax. Filing free Turbo Tax early as well as filing for free can help relieve some of the stress of spending.

Pink Slip Loans Worse Than Payday Loans

A shop window advertising payday loans.
A shop window advertising payday loans. (Photo credit: Wikipedia)

Pink Slip Loans Worse Than Payday Loans

Pink slip loans are a financial last resort in the same vein as payday loans. They work in much the same fashion, offering a borrower a sum of money over a very short span of time at a high interest rate. Unlike payday loans, many pink slip loans do not require a fee. However, this is because they effectively lien the car against the loan. If the loan is not repaid, the car is taken.

This changes the dynamics of the loan significantly. In some ways, this makes them arguably less risky, but as with payday loans, it is best not to chance it and to simply repay the loan as soon as feasible.

Pink slip loans are available online. However, looking for a pink slip loan online requires due diligence. There are several things that you should look for before committing to a loan. The first thing is the reputation of the lender. If you cannot find any information about a lender’s reputation, that should be taken as a major red flag. The next thing to look into is what information they request and how they are prepared to take your car if necessary. Many scam artists style themselves as lenders willing to put a lien on your car when in fact they are simply trawling for account information.

While seeking a pink slip loan necessarily implies a financial crisis, don’t be hasty. Do your research in advance and be careful about who you do business with. You could save yourself an even worse situation.