*Discover 4 Ultimate Formula for Saving Money during Holidays by Titus Maduwa

With the hype that holidays usually bring, people always have the tendency to buy more and spend more without taking into account the consequences that their actions can bring.

Hence, it does not necessarily mean that because it is the holidays you have all the reason in this world to buy whatever you want and spend how much you want. Some people contend that it’s just once a year, so better give what you have.

The problem is that giving something just for the spirit of the holidays does not mean you have to spend gold. You can still give something that will be deeply appreciated without having to spend more money.

Here’s how:

1. Make a budget and stick to it

The problem with most people is that they find making a budget relatively easy but sticking to it is doubly hard. So what’s the point of making a budget when you do not know how to conform to what you have stated in there?

Making and using your budget should always go hand in hand. Therefore, when you make your budget this holiday season, it is best that you follow the things that are written in it so that you would be able to save more money.

2. Live within your means

Of course, everybody would want to give gifts because that is what the holiday season calls for. However, it does not necessarily mean that you have to spend more than what you can afford. 

The trick to saving more money is to always live within your means. Spending more than what you can afford will definitely bring more problems than you can afford to solve.

3. Personalize it!

As they say, it is the thought that counts. Hence, there are no better ways to show how much you have thought of those people this holiday season than making personalized gifts.

4. Shop and compare

It really pays to shop around and doubly better when you compare prices. You will never know which items are better priced than the others are when you do not compare their values.

The point here is that you should not be confined to one shopping portal. Try to look for other items, usually in thrift stores and consignment shops, where you can find the best items at a lower price.

Indeed, shopping for the holidays can be fun, but you don’t have to be spendthrift. Nowadays, you really just have to be practical.

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# 1 International Author Titus Maduwa

Lesson #6. Reduce Stress and Be Happy-by Titus Maduwa

Anything taken too much is bad for health. A little stress is actually good, as it could serve to help you function at your best. However, stress that seems a little too much could take a physical, as well as mental, toll to your body. Stress should be managed in order for depression or anxiety to be prevented.

So how should you do it then? The following are tips and advice to help manage stress.

Write it out, schedule it out.

It is best to write down everything that seems to be overwhelming. You will find a things-to-do-list much easier to manage than having errands all crumpled up in your head. Writing down the tasks, and putting a specific schedule and time to do them, helps anyone manage activities one chunk at a time. Crossing out an activity that has already been accomplished is very rewarding and could actually help you feel more relaxed when doing the other tasks at hand.

One at a time works.

Focus and put all your attention specifically on one task at one time. It does not help to feel panicky about the other undone or to-do tasks. Thinking about them only adds unnecessary stress and could even hamper in doing the task you are attempting to accomplish at present.

Relax and take it slow.

At least, try not to expend too much energy on activities that are currently not priorities. This is in order for your energy to be not easily expended on the tasks that are not that important, at least for now.

Delegate, delegate, delegate.

You need not do everything all at once, and you need not do everything on your own. Ask for help, get help, or pay for help. When there is a feeling of being overwhelmed that is cropping up, hire someone to mow the lawn or get a sitter for your children. The feeling of being pressed to finish something on time will somehow be eliminated if tasks are delegated. It takes a load of unnecessary worry and anxiety. Moreover, it is easier checking up on how things are than worrying yourself sick doing everything on your own, all at once.

Give yourself a reward.

You deserve it. Acknowledging your accomplishments, no matter how big or small is an effort that is necessary before getting on to the next tasks and activities. It reduces stress and could even make you happier in doing the next task.

Give yourself a break.

You need it to be more productive. A ten to fifteen-minute break during your work is necessary. Go visit a café nearby, take a quick brisk walk, or do anything to put your mind off work, at least for a while. This is necessary to refresh and recharge. Believe it or not, you can also stay in your work and sit with your eyes closed as you visualize a peaceful landscape or a relaxing scene. This frees the stress from your muscles and your mind.

Relax and be cool. Doing so makes you healthier, happier, and a lot more productive.

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Author-Titus Maduwa