{"id":2115,"date":"2016-10-25T11:45:00","date_gmt":"2016-10-25T15:45:00","guid":{"rendered":"http:\/\/www.myfinancialfocus.net\/mainsite\/?p=2115"},"modified":"2025-08-24T06:38:39","modified_gmt":"2025-08-24T10:38:39","slug":"its-here-again","status":"publish","type":"post","link":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/its-here-again\/","title":{"rendered":"Christmas? It’s Here…Again"},"content":{"rendered":"

<\/del>Christmas Day is two \u00a0months from today. \u00a0Is that not hard to believe? \u00a0Where I live, the weather is still almost summer like. \u00a0Regardless, the gift giving season is upon us. \u00a0Are you prepared financially for the holiday season. \u00a0Ready or not, it’s here…again.<\/p>\n

For most you are not likely ready. \u00a0Nothing has been saved and, the fact is, you do not even want to think about it. \u00a0For many it is Thanksgiving Day when you finally realize you have to get ready and, as a second thought, \u00a0determine how will you pay for everything.<\/p>\n

For years I have been teaching to begin to save for Christmas the day after Christmas. \u00a0Not only are the decorations steeply reduced, but you can begin to save a little every month to have what you need next year. For some of you – you are ready. \u00a0For more – you are already done shopping and ready for a stress and debt free holiday season. You can read a helpful blog here.<\/a><\/p>\n

If you are not one of those who is ready – get ready now. \u00a0You have to have a plan of how much you will spend and who is on your list. \u00a0Set that amount now. \u00a0You have two months to save. \u00a0Since you only have two months, it may be very wise to reduce the overall amount you “want” to spend to what you “need” to spend.<\/p>\n

Save half of that amount in CASH in November and the second half in December. \u00a0Avoid going into debt on credit cards and pay for your gifts in cash! Do you really want to be paying for Christmas next year?<\/p>\n

In January, begin setting aside a little each month. Avoid adding more debt by saving month after month.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Christmas Day is two \u00a0months from today. \u00a0Is that not hard to believe? \u00a0Where I live, the weather is still almost summer like. \u00a0Regardless, the gift giving season is upon us. \u00a0Are you prepared financially for the holiday season. \u00a0Ready or not, it’s here…again. For most you are not likely ready. \u00a0Nothing has been saved […]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,4,22,19,14],"tags":[],"class_list":["post-2115","post","type-post","status-publish","format-standard","hentry","category-coaching","category-debt","category-encouragement","category-holidays","category-planning"],"yoast_head":"\nChristmas? 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