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Are you a planner or a procrastinator?
Planners tend to set goals & organize their next moves when planning ahead. I’ve often heard that if you plan ahead, you’ll have low-stress levels and you have a better chance of preparing for unexpected events.
Procrastinators, on the other hand, tend to wait until the very last minute to deal with certain issues. This is not to say that procrastinators don’t plan, their way of planning is more of an unconventional method.
Are you a Planner or Procrastinator?
If you’re a planner, you’re most likely ready for the holiday season! You’ve already picked out your home decor, facilitated Thanksgiving potluck signups, researched trending toys for the kids and most importantly your Christmas budget is locked and loaded.
If you’re a procrastinator, you’re winging it. For Black Friday, you will review the various sales ads on Thanksgiving day. On the day of the office holiday party, you will purchase doughnuts on your commute to work. You have made a vow over and over again to purchase Christmas gifts throughout the year and the week before Christmas, you’re out shopping looking for gifts.
This post is for all Planners and Procrastinators. I want to help you plan ahead by saving money for the holidays.
Planners will benefit from this post because they’re already thinking about next year, LOL.
Procrastinators can benefit from this post because the hard work has already been laid out for them, all they need to do is start saving.
We are less than 6 weeks away from Christmas and it’s not too late to start saving today.
30 Day Holiday Money Saving Challenge
A few years ago, I incurred a lot of debt during the holiday season.
As a result of my poor spending habits, I created a 7-month holiday saving plan. This savings plan allowed me to save $700 over the course of seven months without feeling the pressure.
When a friend of mine asked me how did I save money for the holidays. I replied by sharing my 7-month saving plan with her. Shortly thereafter, she took a deep breath, sucked her teeth, rolled her eyes and said 7 months is too long (I live in the South – sucking your teeth and rolling your eyes is the nonverbal way of saying for ARE YOU SERIOUS??). She doesn’t like to wait and wants results in 30 days!
The thought of saving money can be stressful, especially if saving is not your forte.
Since my friend wanted quick results, I tweaked my 7-month plan and created the 30 Day Holiday Savings Challenge. As a result of her wanting quick results, I decided to create this challenge.
A 30 Day Challenge for everyone
I’ve created a FREE money saving challenge just for the Holiday season! This 30 Day holiday money saving challenge will help you to save either $150, $450 or $600 in 30 days.
I decided to create three money-saving goals because I wanted to appeal to all income levels. This article will reach readers who may not be able to afford $450 or $600 in a thirty day period. Therefore, I created a challenge that will accommodate various incomes. There are some individuals who want to participate in a money challenge but cannot afford make large contributions on a daily basis.
- The low-risk challenge is for those individuals who can only afford to save $150.
- The moderate-risk challenge is for those individuals who are able to save a little more each month, the end goal is $450
- The high-risk challenge is for those who are able to squeeze out an extra $600 a month.
Rather than swiping your credit card and spending money this holiday season – try to commit to this challenge. Remember, it’s not too early or too late to get started. If you want to start saving in January, feel free to do that. If you want to start today – you can do that as well.
Every little bit that you save will definitely make a difference.
Are you up for the challenge?
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