How to Avoid the January Financial Hangover #FinancialPeace #CleverGirls
It’s easy to get caught up in the hustle and bustle of the holiday season and lose sight of the goals we’ve set to help us achieve financial peace of mind.
Set a Budget
Write a list of gift recipients and set a specific budget for each person. Do not go over budget for anyone!
Download apps like Retail Me Not and Coupons.com to check the deals before and during shopping adventures.
Follow Blogger who’s style you Love
Do you love a blogger that has style you want to emulate or style that is similar to that of a gift recipient on your list? Follow them during the holidays to get deals on what the bloggers favorite brands.
Agree to Limited Gift Exchanges
Talk to your friends and family and agree to a limited gift exchange. Either choose not to exchange gifts or put a max budget on it.
If you’re unsure of which specific item to buy, you can do your research online to determine which product has the best consumer reviews. Check sites with user reviews and ratings, such as Amazon.com or Cnet.com. You can also check out your favorite bloggers for reviews. My husband loves No Film School for film product review. Seek out bloggers that review the niche of product you are searching for. They have a knack of showing how the products fit into their lives.
If those lines scare you, try shopping online during Black Friday and Cyber Monday. You can also get deals by opening a Bank Account with Bonus Savings. Capital One 360 Checking and 360 Savings are fee-free and earn interest. Capital One 360 offers remote deposit capture with Capital One 360’s CheckMate tool and make savings a snap with the Automatic Savings Plan. Once the Thanksgiving celebrations are done, be sure to add Capital One 360’s Black Friday Sale to your shopping list. Visit http://clvr.li/cap1bfs to give yourself the lasting gift of financial peace of mind by taking advantage of Capital One 360’s deals on banking, brokerage and mortgage products.
Here are some of the Capital One 360 Deals:
Product
Offer
Details
ShareBuilder
Up to $1,250 bonus (tiered offer)
Must be a new ShareBuilder customer
Home Loans
$1,250 off closing costs
Must sign up for the loan during the sale period
360 Checking
$100 bonus
Must make a $500 minimum initial deposit and make five transactions
Must be new to 360 Checking
360 Savings
$100 bonus
Must make a $1,000 minimum initial deposit
Must be new to 360 Savings
Refer a Friend
$40 bonus per successful referral
For someone to receive the referral bonus, they must be a current customer
Their friend must meet the minimum initial deposit requirements
Ooh you covered some really awesome ideas here. I especially agree with the gift exchange idea. Luckily my side of the family has been doing a gift swap for a handful of years now. It saves me SO much money – and stress too!
These are all great tips! I totally have to make a list and stick to it. Too many times I’ve ended up giving too much and getting myself in real trouble.
Nevermind the January hangover, my budget is always hung over- November, December, January, February, augh!!! At least these tips help. Ebates helps a lot!
I am so bad at budgeting and finances. I really need to start an emergency fund!
It is so easy to get carried away and overspend around the holidays! Budgeting and finding deals is important.
Great tips! The sale at Capital One 360 this weekend is awesome for people who can do it.
Those are all really great tips! I’m hoping I can keep my spending under control this year.
I should be fine – my Christmas shopping has been done for like a month already 🙂
So far I have been sure to only spend what I actually have! We save up for all large purchases here.
Haha what a funny way to put it–yes, I know exactly what you mean by hangover and that is definitely something I do NOT want to deal with!
Ooh you covered some really awesome ideas here. I especially agree with the gift exchange idea. Luckily my side of the family has been doing a gift swap for a handful of years now. It saves me SO much money – and stress too!
I’m looking forward to all the deals I find. nice thing is we prepare for these days to come.
I am always looking for ways to save and shop year round… it really helps… I do need to get a good savings account going, though…
These are all great tips! I totally have to make a list and stick to it. Too many times I’ve ended up giving too much and getting myself in real trouble.
These are really great tips! January can be such a tough month financially due to Christmas and Black Friday!
Nevermind the January hangover, my budget is always hung over- November, December, January, February, augh!!! At least these tips help. Ebates helps a lot!
I think I need to open a checking there, that $100 bonus would be great!