Do you agree that Christmas is a season for rising bills?
By Andyvil
@Andyvil (793)
Philippines
December 12, 2011 9:38pm CST
I just finished checking my credit card bills and I realized that my bills are steadily rising. This usually happens to me during December. It was a good thing that I was able to notice this since I still have a lot of gift buying to do. Do you have the same experience as me? How did you manage to control your expenses?
7 people like this
14 responses
@Jhovarie (1168)
• Philippines
13 Dec 11
to manage my expenses is very simple just dont celebrate Christmas it will help me to save money its because if you celebrate Christmas you need to buy gift, need to decorate your house, you need to buy special foods for celebration..
think about what if you will not buy gift, buy food, decorate your house?
of course if you will not do that you will save money hehe.
2 people like this
@Andyvil (793)
• Philippines
13 Dec 11
I actually enjoy giving gifts to my godchildren, niece and nephews. What I don't enjoy is paying the bills.hahahah I am actually going to be a wise shopper this year and be more practical on my gift choices. I will limit the amount I will be spending for each gift.
1 person likes this
@LaDeBoheme (2004)
• United States
13 Dec 11
You can still celebrate Christmas for its true meaning, NOT the commercial holiday it's become.
I don't decorate my house other than a little 14" fiber optic tree that sits on a table. I paid $3 for it. I don't buy a lot of extra special food, and I do not buy many gifts. I never go beyond my means or my disposable income. If I can't afford it, I don't get it.
I am a believer that Christmas means more than GIMME! GIMME! GIMME! I refuse to stress out over a 'joyous season' by going into debt.
'Tis the season to be jolly...
...NOT broke and unhappy.
2 people like this
@Andyvil (793)
• Philippines
13 Dec 11
You have a point there LaDeBoheme. I don't want temporary bliss by spending a lot for buying gifts this Christmas season and worrying about my bills on January. I will stick to my plan on using cash only this Christmas so that I won't have any bills to worry about this January.
1 person likes this
@deebomb (15304)
• United States
13 Dec 11
Hello Andy. Yes this is a month that gets people to spend more than at any other time. We think that we need to get every one a Christmas present and it should be rather expensive.
I'm not buying for everyone this year. I have 9 grandchildren and they are the ones that will get something but not a lot. Most people have every thing they need and want so what is left? My grandkids have just about every thing they could want and they don't even take care of what they do have so I decided I would not contribute to the over load this year. They are getting a bag of twizzlers and $15. Their mom and dad will go over board for them so they won't miss any thing.
2 people like this
@rogue13xmen13 (14402)
• United States
13 Dec 11
YES! My mother went into massive debt over buying my brother and me Christmas presents. I, too, have $1000 that I owe on my credit card because of some of the things that I have bought in Christmases past.
2 people like this
@rogue13xmen13 (14402)
• United States
15 Dec 11
Yeah, and I was going to pay it off this month, until I heard some terrible news from university.
@allknowing (137553)
• India
13 Dec 11
The rising bills that you are talking about have a direct bearing on the happiness that they generate. So it is up to you to decide how much happiness you want!
2 people like this
@allknowing (137553)
• India
13 Dec 11
You talked about rising bills and that is why I said one needs to spend specially during Christmas time for one to be happy. The choice is yours. If you can manage to get your happiness without spending that is the best situation ever.
1 person likes this
@SIMPLYD (90721)
• Philippines
13 Dec 11
Christmas can really drain our finances. We receive some additional cash incentives from our company during Christmas, but they are already allotted to the gifts and foods we are going to buy for Christmas. If you don't know how to prioritize the things to buy, you will end up leaving nothing on your pocket.
In addition, electric bills can go up because of the Christmas lighting we put up. Also, we use a lot of appliances specially cooking ones, like turbo broiler, microwave and the like in preparing those festive foods.
But then, they come with the occasion, my friend.
2 people like this
@Andyvil (793)
• Philippines
15 Dec 11
I had bad experiences for the last three years on shopping using my credit card. Although I have managed to reduce my expenses through the years, this year I want to shop solely on cash. This way I wouldn't spend more than what I planned. I don't want to end up with nothing this January so budgeting my expenses this December is a top priority.
@SIMPLYD (90721)
• Philippines
16 Dec 11
Oh shopping with credit cards can give you a lot of purchasing power. Thus, you sometimes can go beyond what you budgeted, because of the big purchasing power. But with cash, you can only buy things that your cash can accommodate.
Thus, in order not to go beyond the budget, it is wiser to buy in cash.
@163Mandolingirl (1052)
•
13 Dec 11
What annoys me about Christmas buying here in the UK is that some of the 'more normal' things disappear and all the 'special' more expensive things are the only ones on the shelves. That just isn't fair for all of us who are trying to keep our heads above water while celebrating. No wonder a lot of us buy at the Poundshops!
2 people like this
@Andyvil (793)
• Philippines
15 Dec 11
We have a different situation here in my country. Store usually give huge discounts on their expensive items and still sell their affordable items. They also usually give huge discounts on old stocks. I usually find good deals on these items since there are just stuff that don't get old even though they are old stocks. I usually buy plain clothes and pants during this time. As for buying gift, I also find good deals here on toys and childrens clothes.
@barehugs (8973)
• Canada
13 Dec 11
Christmas is an Un-Godly Scam, that is used by the rich to gouge the poor! Christmas is not a religious festival, but rather just another example of manipulation and greed by the rich, and not the birth-date of The Christian Christ!
Buy your gifts on the birth-dates of your family members, rather than at Christmas and save money. This way you can have numerous parties at different times of the year.
1 person likes this
@dragon54u (31634)
• United States
13 Dec 11
First I have a budget-it changes monthly depending on emergencies and unexpected expenses but I know where every cent goes. I treat my credit card like a debit card. Every credit card purchase I make is entered as a debit in my check record and when the bill comes I add those amounts back in. Then I write the check to pay it in full. I always know exactly how much money I have available and I am never in debt to my credit card.
Through the year I save all my online earnings and put aside some money each month into a savings account. That's what I use for Christmas presents, car repairs and other unexpected expenses. It's all about being prepared for anything that comes along and saving money. So that's how I control my expenses.
2 people like this
@Andyvil (793)
• Philippines
15 Dec 11
I tried doing this for a while but I wasn't religiously recording my credit card usage and thus ended up screwing my budget at the end of the month. I'm really not good at keeping track of my expenses but I am good at budgeting my cash. That is why I am going to use cash only this year so that I won't go over board on using my card again. I wish I had the same control as you but I have always exceeded my budget each year and I don't want to risk it this year.hehehe
@jaiho2009 (39141)
• Philippines
13 Dec 11
I don't have credit card.
But extra expenses really comes during this season.
We cannot avoid it, buying gifts to our loved ones and friends is one reason for this extra expenses- but it's fine.
It's only once in a year though!
@Andyvil (793)
• Philippines
15 Dec 11
I decided to keep my hands of my credit card for the whole month of December. This way I have to force myself to stick to my budget instead of shopping indiscriminately. I don't mind spending part of my bonus in giving gifts to my loved ones, as you mentioned this only happens once a year.
@randylovesdar (4932)
• United States
13 Dec 11
I have noticed that as well. I try to keep extra money in my paypal so I can transfer it into my bank account. I save my money all year long and then a week before Thanksgiving I transfer the money into my account. I write out a list of who I need to buy for and how much to spend on each person. The only person I seem to spend more money on than what I budget is my husband. My husband's parents are both gone now and the rest of his family do not send him anything even though we send gifts to them.
2 people like this
@asyria51 (2861)
• United States
14 Dec 11
I know that my heat bill will rise, as it always does in December. I cut back this year on Christmas, and am doing pretty good this month about not going out to eat. We are trying to eat our way through the food in our freezer and fridge before we head out for the holidays next week, so our grocery bill will be a bit smaller as well this month. two months ago buying our tickets to phoenix stretched out budget to the breaking point.
1 person likes this
@asliah (11137)
• Philippines
27 Aug 12
hi,
i will agree that Christmas is a season for rising bills,in utility,and of course to those dates where the celebration will happen,and aside from that this is the time where do we need to buy toys and clothes gift for our godson and goddaughter.
@Arieles (2473)
• United States
13 Dec 11
We no longer using credit cards, even for emergencies. They just add fuel to the fire. Right now, just spending time with the family is more important than any gift. To control expenses we buy only the things we need to live. There are no extras.