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Holidays – more than money

Prioritize
What do you enjoy most about the holidays?... the conversations, gifts, parties, family, church services, food, friends, games, prayer, travel, shopping, hot chocolate and apple cider, the snow… Take time to discuss and write out all of the things you enjoy about the holidays. Then, list them in order of most important to least. You will be amazed at how this simple exercise can enhance your spirit.

Plan
Now that you are clear about what is most enjoyable to you, plan for those experiences first. Now that you’ve completed that, let’s touch briefly on money. Create a spending plan. This is where you will determine what you will buy and for whom you will buy for. When creating this plan keep in mind that the gift of gathering and companionship may mean more to someone that any ‘thing’ you could buy for them. Another idea is that people remember forever the gifts that are made just for them.

Before heading out to the stores, do a little homework online to find the best deals.

Have an agenda when you hit the stores. This will empower you to not be persuaded by the advertising tactics stores use to get you to buy more than you came for.

Use cash you already have. Set aside money ahead of time so that you don’t end up “giving” the credit card company an even larger gift. If you don’t have the money; don’t spend it. There are many gifts you can give that don’t require money.

You can be in control of your money. Don’t allow your money to aimlessly fall into the pockets of other people.

Enjoy
Now that your planning is complete, relax and let things happen. Enjoy the experience graciously giving to those you love and care about. If you have done the previous two steps you will have a lot less stress and you will have prepared your mind, body, and emotions to take in every moment and enjoy the memories that will be made.

Have Gratitude
Remember and intentionally think about all that we have to be thankful for. Many things that we call “standard of living” is really quite a luxury.

You can create memories that continue longer than a lifetime. All of us with Rayhons Financial wish you a truly wonderful holiday season. You can reach us at 602-707-6671 or visit them online.



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