Avoid running into financial ruin this Christmas!

[Mauser]

So while having a good time with friends, family and loved ones during this festive season, please remember that January, with all its bills is around the corner.

A very merry Christmas everyone!!!

Had the worst Christmas in 30 years last year. 2 days before Christmas I got covid and had to stay home alone over the holidays. My parents are already old and I didn't want to risk them getting infected. While the whole holidays were kind of sad and lonely, watching bad movies online and eating canned food, it also had some advantages. I didn't have to give any presents to my family and will probably now keep them for this year. Giving presents a few weeks after Christmas seems wrong and like that I already have all the birthday presents for a whole tear. The second good thing is that I didn't gain any weight over Christmas, had almost no food at home and no sweets or biscuits. So financially this was a very good Christmas and I am not so worried about the bills coming in now.

[1714848091]

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[og kush420]

So while having a good time with friends, family and loved ones during this festive season, please remember that January, with all its bills is around the corner.

A very merry Christmas everyone!!!

Had the worst Christmas in 30 years last year. 2 days before Christmas I got covid and had to stay home alone over the holidays. My parents are already old and I didn't want to risk them getting infected. While the whole holidays were kind of sad and lonely, watching bad movies online and eating canned food, it also had some advantages. I didn't have to give any presents to my family and will probably now keep them for this year. Giving presents a few weeks after Christmas seems wrong and like that I already have all the birthday presents for a whole tear. The second good thing is that I didn't gain any weight over Christmas, had almost no food at home and no sweets or biscuits. So financially this was a very good Christmas and I am not so worried about the bills coming in now.

How are you feeling now? The world has been a different altogether
Living alone in isolation give us time to reflect and think that we have to cope up alone for all the crisis we go through
Hope you are well now.
Haappy new year!

[Cryptock]

So while having a good time with friends, family and loved ones during this festive season, please remember that January, with all its bills is around the corner.

A very merry Christmas everyone!!!

Had the worst Christmas in 30 years last year. 2 days before Christmas I got covid and had to stay home alone over the holidays. My parents are already old and I didn't want to risk them getting infected. While the whole holidays were kind of sad and lonely, watching bad movies online and eating canned food, it also had some advantages. I didn't have to give any presents to my family and will probably now keep them for this year. Giving presents a few weeks after Christmas seems wrong and like that I already have all the birthday presents for a whole tear. The second good thing is that I didn't gain any weight over Christmas, had almost no food at home and no sweets or biscuits. So financially this was a very good Christmas and I am not so worried about the bills coming in now.

that is so say to learn - hope you are feeling better.
The Covid and the cough has made the life miserable for the people. Even there is mild Covid we all are experiencing during this winter.
May God keep us safe during the  toughest time.

[Theones]

I’m using this medium and the opportunity to wish everyone out there on the forum a jolly and a merry Christmas. 

Compliments of the season to you too

I hope we all get to see and spend some time with loved ones, family and friends while spreading love, joy and cheer.

There is something about the Christmas season that just brings people together, maybe the presents, the food, the bonus pay from work but either way family always finds its self together and this tradition must continue to strengthen the bond that exists.

I also wish to remind everyone that we should spend money wisely and be very prudent. We should remember that by January of the next year, there would be a lot of bills that would need to be paid. So remember that while shopping for those items that may seem to be relevant and cool to get now but would be definitely irrelevant later on.
By January, a lot of people would probably be heading to the bank after going all out with their funds during Christmas to take loans to settle whatever bills would arise and there would be a lot that would arise!
I think money is always tight for most people in January cause they spent a whole lot of money during the Christmas period.

Wouldn't blame everything on Christmas because year in year out this day always comes and it's all because of our poor planning that leaves us in tight financial spots. To avoid the Jan-worry curse it's time we started saving for Xmas in January so that by December all expenses are covered and January will nolonger be a financial stressful month.

although people are worried and they are complaining about inflation but they are spending so much on their parties and other luxuries that it seems as if I am the only poor in the world - rest of the people are having a good life style - people are traveling showing off their good life and I am always in the bed watching reels and videos of the people.
Happy new year and have a blessed new year ahead.

[Lanatsa]

I’m using this medium and the opportunity to wish everyone out there on the forum a jolly and a merry Christmas. 

Compliments of the season to you too

I hope we all get to see and spend some time with loved ones, family and friends while spreading love, joy and cheer.

There is something about the Christmas season that just brings people together, maybe the presents, the food, the bonus pay from work but either way family always finds its self together and this tradition must continue to strengthen the bond that exists.

I also wish to remind everyone that we should spend money wisely and be very prudent. We should remember that by January of the next year, there would be a lot of bills that would need to be paid. So remember that while shopping for those items that may seem to be relevant and cool to get now but would be definitely irrelevant later on.
By January, a lot of people would probably be heading to the bank after going all out with their funds during Christmas to take loans to settle whatever bills would arise and there would be a lot that would arise!
I think money is always tight for most people in January cause they spent a whole lot of money during the Christmas period.

Wouldn't blame everything on Christmas because year in year out this day always comes and it's all because of our poor planning that leaves us in tight financial spots. To avoid the Jan-worry curse it's time we started saving for Xmas in January so that by December all expenses are covered and January will nolonger be a financial stressful month.

although people are worried and they are complaining about inflation but they are spending so much on their parties and other luxuries that it seems as if I am the only poor in the world - rest of the people are having a good life style - people are traveling showing off their good life and I am always in the bed watching reels and videos of the people.
Happy new year and have a blessed new year ahead.

We know that everyone could really be having different lives and when it comes to financial status then it does varies and this is why we are really indeed seeing these kind of situations.

Being or getting jealous is normal but its not something a huge hindrance for us not to do a hard work and do our best to make our lives better.It is really just a matter of
on how you do handle yourself and make things to happen.

SPending for holidays isnt that bad as long you arent spending that much or beyond your limits or means then i dont see anything wrong with it.

[bitgov]

So while having a good time with friends, family and loved ones during this festive season, please remember that January, with all its bills is around the corner.

A very merry Christmas everyone!!!

Had the worst Christmas in 30 years last year. 2 days before Christmas I got covid and had to stay home alone over the holidays. My parents are already old and I didn't want to risk them getting infected. While the whole holidays were kind of sad and lonely, watching bad movies online and eating canned food, it also had some advantages. I didn't have to give any presents to my family and will probably now keep them for this year. Giving presents a few weeks after Christmas seems wrong and like that I already have all the birthday presents for a whole tear. The second good thing is that I didn't gain any weight over Christmas, had almost no food at home and no sweets or biscuits. So financially this was a very good Christmas and I am not so worried about the bills coming in now.

the only important thing these days is taking care your finances. and taking care of health and save yourself from the viral infection
life is so dull and boring when you are unwell and coughing and people are running away from us. Its been two years they we have been spending christmas ill and scared.

[Republikcoin.com]

the only important thing these days is taking care your finances. and taking care of health and save yourself from the viral infection
life is so dull and boring when you are unwell and coughing and people are running away from us. Its been two years they we have been spending christmas ill and scared.

Now the handling of the virus problem has been very much and has been carried out by all countries in this world so that no one is afraid of being infected with the same virus anymore. After all, very few people are discussing the virus problem at this time, which means that the problem has been handled very well throughout the world and everyone can focus on every job they have been doing so far without having to think about viruses or the like again.

[Ryker1]

In my place, we have not celebrated Christmas because we have received a gift that comes from nature. ^{[it is a flash of a flood that cause by the typhoon]}
Hundreds of families in the coastal villages of Ozamiz City and near Cities didn't celebrate at that time because of that calamity that has damaging in our area, so even though we did not spend too much but still we have lack in terms of financial because of the unexpected damage. Good thing I still had my bitcoin in my wallet left at that time and yet we slowly recover after how many days and that Christmas we have a wonderful gift. 
So spend wisely and don't forget to set aside an amount that considers your investment when you are in an emergency situation you still have money to spend and this proves that bitcoin is a good asset that can't be damaged as long as you have a key.

[ChiBitCTy]

In my place, we have not celebrated Christmas because we have received a gift that comes from nature. ^{[it is a flash of a flood that cause by the typhoon]}
Hundreds of families in the coastal villages of Ozamiz City and near Cities didn't celebrate at that time because of that calamity that has damaging in our area, so even though we did not spend too much but still we have lack in terms of financial because of the unexpected damage. Good thing I still had my bitcoin in my wallet left at that time and yet we slowly recover after how many days and that Christmas we have a wonderful gift. 
So spend wisely and don't forget to set aside an amount that considers your investment when you are in an emergency situation you still have money to spend and this proves that bitcoin is a good asset that can't be damaged as long as you have a key.

Damn I'm sorry to hear this.  There's been a whole lot of crazy weather around the world of late it sure seems. Here in the United States we've had some horrible cold snaps and some horrific winter snow storms ( I know 25+ people died in Buffalo New York just recently due to horrible storms).  I hope you and your family are safe and the damage done is minimal to your town. 

You do bring up a great point though, one must always be ready economically if such and event were to occur!

[Iroh]

Christmas and New Year is a great time for a business that manufactures and sells Christmas (New Year's) products. 

Marketers are well aware of this and use various psychological tricks to encourage people to spontaneous purchases.  At the same time, Christmas advertisements appear on city streets very early - in early December, and sometimes even in early November. 

Giving Christmas gifts is a great tradition, but you should avoid spending too much money.

Happy New Year 2023!

Yeah, the holidays are always a good time for business as people are more inclined to shop more during the festive seasons.
Marketers who sell Christmas gifts, cards and Christmas apparatus start early to display their wares and trying to entice shoppers with so called discount prices. So shoppers with the mindset of having to do their Christmas shopping early and at a discount would grab the opportunity worth both hands.
They know only too well how to entice customers to shop more and part with their money for almost irrelevant things.

[Quidat]

Christmas and New Year is a great time for a business that manufactures and sells Christmas (New Year's) products. 

Marketers are well aware of this and use various psychological tricks to encourage people to spontaneous purchases.  At the same time, Christmas advertisements appear on city streets very early - in early December, and sometimes even in early November. 

Giving Christmas gifts is a great tradition, but you should avoid spending too much money.

Happy New Year 2023!

Yeah, the holidays are always a good time for business as people are more inclined to shop more during the festive seasons.
Marketers who sell Christmas gifts, cards and Christmas apparatus start early to display their wares and trying to entice shoppers with so called discount prices. So shoppers with the mindset of having to do their Christmas shopping early and at a discount would grab the opportunity worth both hands.
They know only too well how to entice customers to shop more and part with their money for almost irrelevant things.

You could really expect that they would really be taking up that advantage into those buyers or consumers since they do know that they could make more profit out of that
this is why its not really that surprising that lots of things which turns out to be irrelevant on someone for them to buy on which is something that we do know that
it isnt really that much needed but since its their money then its choice to make out and this is something that cant really be avoided specially on holiday season
on where you do really spend up that much.

[bitgov]

You could really expect that they would really be taking up that advantage into those buyers or consumers since they do know that they could make more profit out of that
this is why its not really that surprising that lots of things which turns out to be irrelevant on someone for them to buy on which is something that we do know that
it isnt really that much needed but since its their money then its choice to make out and this is something that cant really be avoided specially on holiday season
on where you do really spend up that much.

Even during christmas and after christmas try to save as much money as you could.
Life is so hard these days that we are just buying only the needful items.
There is no entertainment we are doing these days - but still we have difficulty managing our funds.

[Mahanton]

You could really expect that they would really be taking up that advantage into those buyers or consumers since they do know that they could make more profit out of that
this is why its not really that surprising that lots of things which turns out to be irrelevant on someone for them to buy on which is something that we do know that
it isnt really that much needed but since its their money then its choice to make out and this is something that cant really be avoided specially on holiday season
on where you do really spend up that much.

Even during christmas and after christmas try to save as much money as you could.
Life is so hard these days that we are just buying only the needful items.
There is no entertainment we are doing these days - but still we have difficulty managing our funds.

For us who do live on a status on which we are just only earning money out of our monthly salary from our dayjobs then it would really be that sensible for us to save up and avoid as much as possible to spend up on things which are useless or not really need up at all. One common mistake of people who do live on these levels from mid-low class is that we do tend to buy things that we dont really want or not that ideal which it would really be just a waste of money if you do so.Its not bad to buy up some wants since it is really normal to have those kind of spending but everything should be on moderate manner or something that you do able to control because if not then you would really be finding it hard to have that financial freedom.

[Cryptock]

For us who do live on a status on which we are just only earning money out of our monthly salary from our dayjobs then it would really be that sensible for us to save up and avoid as much as possible to spend up on things which are useless or not really need up at all. One common mistake of people who do live on these levels from mid-low class is that we do tend to buy things that we dont really want or not that ideal which it would really be just a waste of money if you do so.Its not bad to buy up some wants since it is really normal to have those kind of spending but everything should be on moderate manner or something that you do able to control because if not then you would really be finding it hard to have that financial freedom.

this year my goal is to save up as much funds as I could. Life is really hard and working day jobs and 9-5 is not helping us earn much we all would be needing a side hustle for managing funds and make our ends meet. I totally agree with what you have mentioned. I do an office job and side by side I do small stuff so if my salary is not paid on time ( with I understand because business is not in profit.) I never ask my boss and I get money from my side hustle, but it's hard to survive these days.

[bitgov]

Christmas and New Year is a great time for a business that manufactures and sells Christmas (New Year's) products. 

Marketers are well aware of this and use various psychological tricks to encourage people to spontaneous purchases.  At the same time, Christmas advertisements appear on city streets very early - in early December, and sometimes even in early November. 

Giving Christmas gifts is a great tradition, but you should avoid spending too much money.

Happy New Year 2023!

Yeah, the holidays are always a good time for business as people are more inclined to shop more during the festive seasons.
Marketers who sell Christmas gifts, cards and Christmas apparatus start early to display their wares and trying to entice shoppers with so called discount prices. So shoppers with the mindset of having to do their Christmas shopping early and at a discount would grab the opportunity worth both hands.
They know only too well how to entice customers to shop more and part with their money for almost irrelevant things.

Depends on the type of business you are doing. I am not sure about other people but most of my friend didn't purchase much during these holidays.
People are not having much entertainment funds. so they stayed at home and ate homemade food and enjoyed it thoroughly 

[Don Pedro Dinero]

For us who do live on a status on which we are just only earning money out of our monthly salary from our dayjobs then it would really be that sensible for us to save up and avoid as much as possible to spend up on things which are useless or not really need up at all. One common mistake of people who do live on these levels from mid-low class is that we do tend to buy things that we dont really want or not that ideal which it would really be just a waste of money if you do so.Its not bad to buy up some wants since it is really normal to have those kind of spending but everything should be on moderate manner or something that you do able to control because if not then you would really be finding it hard to have that financial freedom.

In the end it ends up being a matter of managing the resources you have. You say yourself that you end up buying things that you don't really want or that are not ideal. I'll remind you of a quote:

'We buy things we don't need with money we don't have to impress people we don't like.'

It is a good idea to start by keeping track of expenses and income, for example with an Excel spreadsheet. If you do that, then Christmas comes and it's another month, usually with higher expenses, but the one who controls expenses and income usually ends up feeling as if he/she got a raise.

[MarjorieZimmermanGinger]

I also wish to remind everyone that we should spend money wisely and be very prudent. We should remember that by January of the next year, there would be a lot of bills that would need to be paid. So remember that while shopping for those items that may seem to be relevant and cool to get now but would be definitely irrelevant later on.
By January, a lot of people would probably be heading to the bank after going all out with their funds during Christmas to take loans to settle whatever bills would arise and there would be a lot that would arise!
I think money is always tight for most people in January cause they spent a whole lot of money during the Christmas period.

The biggest mistake people make is taking out a bank loan to pay off other bills, this is the same as "Dig a hole close a hole". Standards that are too forced to meet lifestyles are wrong patterns, the biggest impact they will receive financially will never be balanced to make ends meet. The world is facing recession and inflation, the economic cycle is also experiencing obstacles to recovery.

While human life patterns are increasingly directionless, unequal financial capabilities are forced to keep abreast of the times, but do not adapt to the prevailing circumstances, this destruction is getting closer to failure in managing finances at the individual level.

So while having a good time with friends, family and loved ones during this festive season, please remember that January, with all its bills is around the corner.

Everyone can have fun with friends and family in a simple way, forcing something beyond one's ability is a pattern of decline in thinking, life will look complicated if one cannot control financial expenses and is not adjusted according to income/expenses.

[Theones]

I also wish to remind everyone that we should spend money wisely and be very prudent. We should remember that by January of the next year, there would be a lot of bills that would need to be paid. So remember that while shopping for those items that may seem to be relevant and cool to get now but would be definitely irrelevant later on.
By January, a lot of people would probably be heading to the bank after going all out with their funds during Christmas to take loans to settle whatever bills would arise and there would be a lot that would arise!
I think money is always tight for most people in January cause they spent a whole lot of money during the Christmas period.

The biggest mistake people make is taking out a bank loan to pay off other bills, this is the same as "Dig a hole close a hole". Standards that are too forced to meet lifestyles are wrong patterns, the biggest impact they will receive financially will never be balanced to make ends meet. The world is facing recession and inflation, the economic cycle is also experiencing obstacles to recovery.

While human life patterns are increasingly directionless, unequal financial capabilities are forced to keep abreast of the times, but do not adapt to the prevailing circumstances, this destruction is getting closer to failure in managing finances at the individual level.

So while having a good time with friends, family and loved ones during this festive season, please remember that January, with all its bills is around the corner.

Everyone can have fun with friends and family in a simple way, forcing something beyond one's ability is a pattern of decline in thinking, life will look complicated if one cannot control financial expenses and is not adjusted according to income/expenses.

That is correct -we can have fun by having a barbecue at home having a one dish party at home and what not.
Spending so much and getting a moment of happiness is not what we all look for.
So I think we must save some money even after christmas and that is really important to come up with the inflation

[Casdinyard]

I agree. Everyome should be very mimdful of their spending, but in my honest opinion, especially for those who really worked their asses off all year round, I don't think spending money for yourself or for others in the single day of the year when it is socially acceptable to do so is a bad thing. Well, provoded that it is still within your means and ypu don't habe to take out a loan just to buy gifts and spend an extravagant christmas. Spending habits are very important to uphold and all but if you don't use your money for nice things at least once in a while, even if stockpiles into the millions I don't think it will hold any value to you. So use your money, and use it wisely, is supposed to be the right advice.

[Oilacris]

I agree. Everyome should be very mimdful of their spending, but in my honest opinion, especially for those who really worked their asses off all year round, I don't think spending money for yourself or for others in the single day of the year when it is socially acceptable to do so is a bad thing. Well, provoded that it is still within your means and ypu don't habe to take out a loan just to buy gifts and spend an extravagant christmas. Spending habits are very important to uphold and all but if you don't use your money for nice things at least once in a while, even if stockpiles into the millions I don't think it will hold any value to you. So use your money, and use it wisely, is supposed to be the right advice.

Some would be saying that money cant buy happiness and on the time where people do buy off things for their loved ones and even taking up a loan on doing that then they would  really be that feeling

satisfied or happy.Sensible act? For them its yes and they arent minding on the problems lies ahead specially on repaying those debts that you had gotten due to that kind of mindset on being generous on Christmas day.If you've been using your own savings then it should really be just small and not taking a huge slice overall.

If you arent that sensible towards your actions or just using up your awareness that money is important then you would be spending like mad.