You need to know where you stand with your moneyMonitor every dime you spend for a week/monthly/yearly Analyze spending line by line and see where you can cutSee if you can afford to send more money straight to your saving accountEven just increasing direct deposit from your paycheck to your savings by 1% -- little enough not to really notice but big enough to make an impactSeparate out the variable spending: those things in the household budget you have control over
Save Money & Time on Gift Boxes - If you want to save time and money on packaging your gifts, don’t go to the store and spend unnecessary money on gift boxes. Use your old cereal boxes! Follow the pattern below:
Camping in your Living Room – You can pitch your tent in your living room, or just roll out those sleeping bags. Bring any other soft creature comforts like pillows or blankets. If you have a fireplace you can roast marshmallows and make s’mores. If you don’t have a fireplace you can roast your marshmallows over candles. Just make sure you are supervising your children well for that one. Keep the lights low or off and break out those lanterns. You can go the extra mile and buy a glow-in-the-dark map of the constellations and tape it to your ceiling so you all can fall asleep under the stars.
