As the holiday season comes to culmination, one of the areas where stress makes an attempt to appear to creep into our minds is in the area of finances. With gift purchases adding up, tax points to consider, and holiday travel expenses being incurred, many of us are tempted to let negative vibrations into their lives because of increased spending. As with any other stress related subject, though, you've got to know how to shift this one also.
Stop & Breathe! The 1st, and most important, step to conquering holiday stress in the area of finances is to stop and breathe. Permit your energy to focus itself on a positive image, and just let the the negative feelings exit your thinking. While this can sound easy it is STRONG and this can be done! Remember that managing your energy is KEY in pretty much everything in life and business:)
Write It All Down! Ok, now that you have reached a place of focus and serenity in your consciousness, lets get to work on the rest. Start by writing down the things which need to be done or acquired, and the expenses related to those items. Don't over investigate this too much and have fun with it. You can even add one or two silly things to your list, just to keep it exciting.
Now, add to this list things that may cost nothing or that you already have within your possession. As an example, a list may look like this:
1. Gift for my folks $50
2. Travel Money to see family $150
3. Gift Exchange gift for work $20
4. Gift for my childs teacher $20
5. Donation toy for charity $20
6. Money for holiday activity with my kid $50
7. Books to read on Xmas Eve $0 (Library)
8. Dessert to take to work holiday Party $0 (ingredients already in cupboard)
If you notice, line items 1-6 have interrelated costs, and numbers 7-8 do not. Now, from this point, try to list the things from highest concern to least priority. Your list might now look like this:
1. Travel Money to see family $150
2. Books to read on Yuletide Eve $0 (Library)
3. Gift for my parents $50
4. Donation toy for charity $20
5. Money for vacation activity with my kid $50
6. Gift for my childs teacher $20
7. Dessert to take to work holiday Party $0 (ingredients already in pantry)
8. Gift Exchange gift for work $20
Now that you have things listed from most important to least, brainstorm about any changes that you can make to restrict the cost without losing the significance. Here are some ideas, based totally on the above list
1.Lower gift amount for moms and pops to $40 and have my child hand-make a card
2.Instead of buying a new toy for charity, find a pleasant one that my child no longer plays with and give that as an alternative.
3.Ask a pal if they'd like to split the purchase of a new toy for a child for charity with our family.
4.Search the internet for a free holiday activity to do with my child, rather than something costly.
5.Decrease the gift amount for my childs teacher to $10 and hand-make a card
6.Not take part in the present exchange for work
Now, arrange your list to include the changes and see where you are now.
1.Travel Cash to see family $150
2.Books to read on Xmas Eve $0 (Library)
3.Gift for my elders $40 (make card homemade)
4.Donation toy for charity $10 + a toy my child doesn't use
5.Money for holiday activity with my kid $0
6.Gift for my childs teacher $10 (make card home-made)
7.Dessert to take to work vacation Party $0 (ingredients already in pantry)
8.Gift Exchange gift for work $0 (opt-out)
Now, take a few more minutes and make notes of all of the things that you have this vacation season that are positive and that contribute to high vibrations, andi f you really nee to, do mull over taking up a personal loan rather than using your card.
Include the love of family, time expended with pals, and the blessings you have. You may also want to incorporate your positive. Outlook for the vacation season. Stuff like This may be the best vacation season yet or My New Year is looking very bright and promising! Don't forget to target your mind as much as you can on the positive and not let negative vibrations, like vacation pressures appear to divide your energy!
Stop & Breathe! The 1st, and most important, step to conquering holiday stress in the area of finances is to stop and breathe. Permit your energy to focus itself on a positive image, and just let the the negative feelings exit your thinking. While this can sound easy it is STRONG and this can be done! Remember that managing your energy is KEY in pretty much everything in life and business:)
Write It All Down! Ok, now that you have reached a place of focus and serenity in your consciousness, lets get to work on the rest. Start by writing down the things which need to be done or acquired, and the expenses related to those items. Don't over investigate this too much and have fun with it. You can even add one or two silly things to your list, just to keep it exciting.
Now, add to this list things that may cost nothing or that you already have within your possession. As an example, a list may look like this:
1. Gift for my folks $50
2. Travel Money to see family $150
3. Gift Exchange gift for work $20
4. Gift for my childs teacher $20
5. Donation toy for charity $20
6. Money for holiday activity with my kid $50
7. Books to read on Xmas Eve $0 (Library)
8. Dessert to take to work holiday Party $0 (ingredients already in cupboard)
If you notice, line items 1-6 have interrelated costs, and numbers 7-8 do not. Now, from this point, try to list the things from highest concern to least priority. Your list might now look like this:
1. Travel Money to see family $150
2. Books to read on Yuletide Eve $0 (Library)
3. Gift for my parents $50
4. Donation toy for charity $20
5. Money for vacation activity with my kid $50
6. Gift for my childs teacher $20
7. Dessert to take to work holiday Party $0 (ingredients already in pantry)
8. Gift Exchange gift for work $20
Now that you have things listed from most important to least, brainstorm about any changes that you can make to restrict the cost without losing the significance. Here are some ideas, based totally on the above list
1.Lower gift amount for moms and pops to $40 and have my child hand-make a card
2.Instead of buying a new toy for charity, find a pleasant one that my child no longer plays with and give that as an alternative.
3.Ask a pal if they'd like to split the purchase of a new toy for a child for charity with our family.
4.Search the internet for a free holiday activity to do with my child, rather than something costly.
5.Decrease the gift amount for my childs teacher to $10 and hand-make a card
6.Not take part in the present exchange for work
Now, arrange your list to include the changes and see where you are now.
1.Travel Cash to see family $150
2.Books to read on Xmas Eve $0 (Library)
3.Gift for my elders $40 (make card homemade)
4.Donation toy for charity $10 + a toy my child doesn't use
5.Money for holiday activity with my kid $0
6.Gift for my childs teacher $10 (make card home-made)
7.Dessert to take to work vacation Party $0 (ingredients already in pantry)
8.Gift Exchange gift for work $0 (opt-out)
Now, take a few more minutes and make notes of all of the things that you have this vacation season that are positive and that contribute to high vibrations, andi f you really nee to, do mull over taking up a personal loan rather than using your card.
Include the love of family, time expended with pals, and the blessings you have. You may also want to incorporate your positive. Outlook for the vacation season. Stuff like This may be the best vacation season yet or My New Year is looking very bright and promising! Don't forget to target your mind as much as you can on the positive and not let negative vibrations, like vacation pressures appear to divide your energy!
About the Author:
Nancy Bondi is a prefessional theropist and have gained extensive recognition in her area. She stopped working fulltime after being highly ill but have manged to get finance help which helped here recover and manage her finances in the interim. She currently does part-time counselling in her local community and infrequently travels out of town on paid request. She has a golden retriever whom she loves dearly and enjoys hanging out with him walking him in the park.
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