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Happy Holidays!
Happy–Debt?
IQP Report with Andy Ortiz
The holidays are all about joy, celebration, and, let’s be honest, spending money. But with a bit of planning, you can have a fantastic holiday season without emptying your wallet. Here’s how:
Set a holiday budget:
List everything you might spend money on—gifts, travel, food, decorations. That will head off nasty surprises when the credit card bills arrive in January.
Plan your holiday meals:
Holiday feasts can get pricey. Look for recipes that are delicious and budget-friendly and avoid last-minute splurges that can add up quickly.
Travel smart:
If you’re traveling for the holidays, book early to snag the best deals. Consider cheaper alternatives like road trips or even a staycation. Sometimes, the best memories are made close to home.
Save for next year:
You knew this was coming. Set up a dedicated savings account and put a little money into it each month. Automatic transfers can make this super easy. By this time next year, you’ll have a nice stash set aside.
Get the family involved:
Make holiday budgeting a family affair. This can be a great way to teach kids about money and make them feel involved. Plus, it can turn budgeting into a fun family activity.
Set the financial new year’s resolutions:
The end of the year is a great time to do it. Set goals and make plans to get there. Use apps and tools to track your progress and stay motivated.
So What's the Verdict?
By mixing a bit of financial planning with your holiday cheer, you can enjoy the season without the stress of overspending. With a little foresight and discipline, you can make this holiday season both joyful and financially sound.
Financial questions?
Just ask Andy!
IQ Portfolios is an independent state-registered investment adviser firm. Always Fiduciary. Fee-Only.
800-558-7969
iqportfolios.com
* IQ Portfolios (IQP) is an independent State Registered Investment Adviser Firm located in Windermere, FL. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. A copy of IQP’s current written disclosure statement discussing IQP’s business operation, services, and fees is available upon request.
