Avoid running into financial ruin this Christmas!

[Ebede]

In some extent some people do not spend their money wisely which is only few people that know that during a festival Pier road you have to spend and remain for investment so they are for those people that I have such understanding are the same people that we go back to festival. Which is another festival the period with a something potential

[Desmong]

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.

We are in winter and everywhere is cold and there are chances that this is the best time for COVID-19 to be easily spread even when the government had put in efforts to eradicate the COVID-19 virus finally. We need to stay safe and prevent ourselves from danger so that we will not be a victim of something that would take our lives.

[lixer]

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.

I would say there are times in a persons life when you should ignore the financial consequences of your actions. I understand that as our nature in bitcointalk, people here like money more than living the life, or at least think that they should become very rich first and then start living life.

But, I am not one of those people, I rather have a happy life with low financial stability than a life where I postpone everything and not live it properly with hopes that I may get rich one day. This Christmas and new years has been quite expensive for me, and I mean a lot, so it's really just a normal thing that I am facing the troubles with it, but had a good week.

[MarjorieZimmermanGinger]

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

Trying to live a simple life is better and also not neglecting small parties with friends and family is an effort to maintain harmony and I think it's important to do this even though not only in the new year. That's why we need to tackle the problem of inflation by taking a simplistic approach to the minutiae associated with unnecessary levels of wastage.

While small parties we can do simply, enjoy nature while camping, grilling fish and lighting a bonfire with family and friends, isn't this much more fun and not a financial burden.

I would say there are times in a persons life when you should ignore the financial consequences of your actions. I understand that as our nature in bitcointalk, people here like money more than living the life, or at least think that they should become very rich first and then start living life.

But, I am not one of those people, I rather have a happy life with low financial stability than a life where I postpone everything and not live it properly with hopes that I may get rich one day. This Christmas and new years has been quite expensive for me, and I mean a lot, so it's really just a normal thing that I am facing the troubles with it, but had a good week.

Some people may live different lives from each other, that is a common thing to happen, liking money instead of living a normal life or thinking of being richer is an effort that is not really necessary in my opinion, let alone having to live a life that limits itself to loans and monthly bills, precisely this pattern of life will only get someone in trouble.

Inflation and recession have so affected human life today, many basic needs cannot be met, instead we are forced to live in luxury by borrowing money only for New Year's parties. For me this is too forced, because there are many ways to celebrate togetherness with a simple pattern and I know it's not your type, we are only discussing the discussion that OP conveyed in this post.

[xSkylarx]

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.

We are in winter and everywhere is cold and there are chances that this is the best time for COVID-19 to be easily spread even when the government had put in efforts to eradicate the COVID-19 virus finally. We need to stay safe and prevent ourselves from danger so that we will not be a victim of something that would take our lives.

Not joining parties can really save your life, and having your own small party can also save you and your wallet. Though COVID is not rampant right now as we are almost all vaccinated, we should not take it for granted because it can really spread easily. A small gathering, such as with nearby relatives or just your family, is preferable than those big parties. Though, due to the recession, the prices of food and items are still high, so it's best to save or only spend a few dollars as it's just a simple celebration. 

[Chainsmokers]

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.

We are in winter and everywhere is cold and there are chances that this is the best time for COVID-19 to be easily spread even when the government had put in efforts to eradicate the COVID-19 virus finally. We need to stay safe and prevent ourselves from danger so that we will not be a victim of something that would take our lives.

Not joining parties can really save your life, and having your own small party can also save you and your wallet. Though COVID is not rampant right now as we are almost all vaccinated, we should not take it for granted because it can really spread easily. A small gathering, such as with nearby relatives or just your family, is preferable than those big parties. Though, due to the recession, the prices of food and items are still high, so it's best to save or only spend a few dollars as it's just a simple celebration. 

Party events certainly require a lot of money so not having one is a good thing,
because that way at least what you should spend a lot of money on doesn't happen and can be diverted to other things that are more important,
what is clear is that all of these are choices so everyone has the right to make their own decisions.

[Republikcoin.com]

In some extent some people do not spend their money wisely which is only few people that know that during a festival Pier road you have to spend and remain for investment so they are for those people that I have such understanding are the same people that we go back to festival. Which is another festival the period with a something potential

You want to tell us about how to wisely use money every day, right? It's not wrong to say that to everyone because being wise in using money is also the most important part in everyone's life and it can also help them when certain conditions or when conditions are in trouble.

But what is a barrier for some people to do this is about the size of the income they get every day, because when some people still make very little money every day. I think they will not look wise in using their money because it is not sufficient for their daily needs.

[Smartprofit]

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.

We are in winter and everywhere is cold and there are chances that this is the best time for COVID-19 to be easily spread even when the government had put in efforts to eradicate the COVID-19 virus finally. We need to stay safe and prevent ourselves from danger so that we will not be a victim of something that would take our lives.

Not joining parties can really save your life, and having your own small party can also save you and your wallet. Though COVID is not rampant right now as we are almost all vaccinated, we should not take it for granted because it can really spread easily. A small gathering, such as with nearby relatives or just your family, is preferable than those big parties. Though, due to the recession, the prices of food and items are still high, so it's best to save or only spend a few dollars as it's just a simple celebration.

I am not vaccinated against the Covid-19 virus, but I have been sick twice and have developed immunity.  

Partying has its perks....  

Coronavirus Covid-19 is not the only viral disease transmitted by airborne droplets.  There are also influenza virus, cold virus and other similar viruses.  Each year, all these viruses undergo significant mutations.  

Therefore, it is very useful when visiting a large crowd of people to acquaint your body with samples of these viruses.  It trains your immunity.  In this case, it is necessary to avoid getting a large portion of the virus into the body (this will inevitably lead to illness).  So be careful that people don't cough directly into your face.  

Parties also cost a lot of money, but socializing and entertaining reduces stress and is therefore good for health and wellness.

[mvdheuvel1983]

If anyone overspent during the holidays, they are currently feeling the heat everytime they check their bank accounts. For married people with young children in particular, this is important.
Given their current financial devastation as a result of their unwise decisions, some families may begin taking out loans in January. They would have to carry a great deal of the strain because they can no longer turn to friends for support. Nonetheless, with sound planning, they can bounce back before the second quarter of the year starts.

[Erumo]

Saint Valentine's Day is approaching. I suggest either to start saving right now, to divorce or dump (but marry or find a second half after Feb 14 obligatory).


Jokes aside. Whether it is Xmas, New Year, Bday or Valentine's Day - these are not reasons to go bankrupt. Remember, it is better to give present from heart, but not based on a price tag.

[TribalBob]

one thing that is natural when shopping on holidays, and this is also carried out once a year and you can gather with your family, I think it's not only Christmas that people shop on religious holidays, all people on holidays always shop for their needs, and they have taking into account the budget they spend will not be over the existing funds

[Iroh]

If anyone overspent during the holidays, they are currently feeling the heat everytime they check their bank accounts. For married people with young children in particular, this is important.
Given their current financial devastation as a result of their unwise decisions, some families may begin taking out loans in January. They would have to carry a great deal of the strain because they can no longer turn to friends for support. Nonetheless, with sound planning, they can bounce back before the second quarter of the year starts.

It would be a bit difficult to bounce back in the second quarter of the year if you’ve overspent during the Christmas festive season and perhaps now taking out a loan in January. You would need to service the loans with the crazy interest rates.
Turning to friends for loans would also be difficult as they also would obviously have bills they would need to settle. Generally, money is seen to tight during the beginning of the year and with sound planning in play, we would go running to the banks to borrow funds after spending during the festive seasons.

[erep]

It would be a bit difficult to bounce back in the second quarter of the year if you’ve overspent during the Christmas festive season and perhaps now taking out a loan in January. You would need to service the loans with the crazy interest rates.
Turning to friends for loans would also be difficult as they also would obviously have bills they would need to settle. Generally, money is seen to tight during the beginning of the year and with sound planning in play, we would go running to the banks to borrow funds after spending during the festive seasons.

We have to celebrate according to the funds we have because those involved in bank loans have to pay high interest, we have to work half a year just to pay off the loan. I don't like loans, even though friends give loans without having to pay interest without a payment deadline, for me loans are the most binding and I don't want my salary to be used to pay off loans. However, if there is an emergency when my economy is down, then I have to apply for a loan to anyone because of my priority needs and that of my family.

[Iroh]

It would be a bit difficult to bounce back in the second quarter of the year if you’ve overspent during the Christmas festive season and perhaps now taking out a loan in January. You would need to service the loans with the crazy interest rates.
Turning to friends for loans would also be difficult as they also would obviously have bills they would need to settle. Generally, money is seen to tight during the beginning of the year and with sound planning in play, we would go running to the banks to borrow funds after spending during the festive seasons.

We have to celebrate according to the funds we have because those involved in bank loans have to pay high interest, we have to work half a year just to pay off the loan. I don't like loans, even though friends give loans without having to pay interest without a payment deadline, for me loans are the most binding and I don't want my salary to be used to pay off loans. However, if there is an emergency when my economy is down, then I have to apply for a loan to anyone because of my priority needs and that of my family.

I also detest taking out loans either from banks or from friends and family. Personally, I won’t turn to banks whenever or if at anytime I’m in a financial crisis. Then again, I try as much as I can to avoid whatever would lead me into financial ruin and trigger the action that would lead me to take a loan. Having Loans are never healthy for anybody’s finances.
I think taking out loans is like a tube of toothpaste. Extremely easy to take one out and very difficult to put it back in.

[bitgov]

I also detest taking out loans either from banks or from friends and family. Personally, I won’t turn to banks whenever or if at anytime I’m in a financial crisis. Then again, I try as much as I can to avoid whatever would lead me into financial ruin and trigger the action that would lead me to take a loan. Having Loans are never healthy for anybody’s finances.
I think taking out loans is like a tube of toothpaste. Extremely easy to take one out and very difficult to put it back in.

I think one should not go to banks for the loan - I was once looted in the name of investment and the scammer wanted me to take loan from the bank which I did.
Everyday I wish to slap him hard on his face. But I have left it to God for the justice. Life is so hard and we meet such horrible people everyday.

[og kush420]

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.

I disagree - most of the time money is the material and material is brought from money
If you don't have money- you can keep your children happy - you cant buy gifts for your parents and you cant eat out  ... But its good to keep a balance and not to over spend especially in those tough times

[jossiel]

If you don't have money- you can keep your children happy - you cant buy gifts for your parents and you cant eat out  ... But its good to keep a balance and not to over spend especially in those tough times

You've missed the "can't" part on making your children happy. Let's deal with the reality of life that everyone need money and it's more frustrating if you can't provide for your family. Those people that don't believe that money can't buy happiness, that's what they believe to think of and respect to that.

But if you'll start to realize everything, you'll even be sadder if you can't provide for your family for which the basic thing you need to have is money so that you can buy everything that your family needs.

And that's why every season where it's known to buy gifts, there are people that are having the spirit of giving because they want to spread the happiness and kindness that they've felt from other people and they're living on it.

However, it's true that we're dealing with financial crisis through inflation and cutting of jobs since the pandemic and that's why some may think that spending through that isn't wise.

[Fatunad]

Saint Valentine's Day is approaching. I suggest either to start saving right now, to divorce or dump (but marry or find a second half after Feb 14 obligatory).
-----

Jokes aside. Whether it is Xmas, New Year, Bday or Valentine's Day - these are not reasons to go bankrupt. Remember, it is better to give present from heart, but not based on a price tag.

Bolded part which i do really agree into this word or piece of advise that it wouldnt really be that necessary for it to be an expensive one if you are trying out to gift someone but there are really times
which it cant really be avoided for you to do so because it did really become part of todays society on showing off on how much those things cost off if we do speak about presents which someone could
able to brag on.If you are really that someone whose tight on the budget then it would be just ideal that you should put up limitations on buying up things so that you wouldnt be finding
yourself to be broke later on.

[HajiBagi]

You speak well as a man who understands how to manage resources for the future, and I understand what you are saying about spending money wisely during Christmas, which is very good advice because most people spend their money during Christmas and Christmas celebrations without thinking about what will happen at the end, which may be an emergency problem or any other problems, but as a wise man who knows what he is doing during the time will know how to lavish his resources.

[xSkylarx]

You speak well as a man who understands how to manage resources for the future, and I understand what you are saying about spending money wisely during Christmas, which is very good advice because most people spend their money during Christmas and Christmas celebrations without thinking about what will happen at the end, which may be an emergency problem or any other problems, but as a wise man who knows what he is doing during the time will know how to lavish his resources.

I get your point but some people saved money for the whole year for Christmas so that they can celebrate so it would be okay as long as you still don't go broke after Christmas or new year's celebrations. I am from Asia and we really celebrate these holidays and we tend to save money from our salary just to give gifts on that day and that is really what we are doing since we are children. As long as you still have money then no problem at all. Also, I've noticed that some people are not now celebrating this due to the financial crisis which is the best move rather than having a loan just to celebrate this holiday.