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  • 8 Tips on How to Budget for Your Holiday Shopping

    28 November 2022


    8 Tips on How to Budget for Your Holiday Shopping

    With the holidays just around the corner, everyone is rushing to get all of their Christmas preparations done on time. However, while you’re out and about crossing things off, you should remember not to get too carried away with holiday shopping.

    Yes, it can be easy to get swept up in all of the commotions, as it is the season of giving and feasts. Still, it is always good to be reminded that you should manage your budget wisely and not overspend on trivial stuff. Doing so will not only help you manage your finances better once the holidays are over but also help you determine what things you should and should not prioritize.

    Here are eight ways you can stay on top of your budget this holiday season.

    1.   Review last year’s Christmas expenses

    Before you get excited about the festivities and start making your holiday shopping list, try to remember what your expenses were like from the previous year. This can help you determine what your average finances look like based on your family size and allow you to plan your shopping better for the holidays. As you go over last year’s expenses, take note of things you can do without this year. 

    2.   Start saving early

    The Christmas season typically coincides with sales events to signal that the ‘ber months have come. Since these traditions won’t seem to change any time soon, you can start your holiday savings as early as possible. Each month, set a goal to save a specific amount of money for your annual holiday expenses. This can help you manage your finances better once it’s that time of the year again.

    3.   Set a holiday budget limit

    You might be tempted to splurge during the holidays, but you must resist the urge to do so. Help yourself achieve this by setting a holiday budget for yourself, which should be enough to cover your expenses for you and your family. This can be separated into different categories such as gifts, meal preparation, décor, and so on. Just remember to stick to it!

    4.   Plan your Christmas dinner menu ahead of time

    Manage your budget forecasting better by planning your Christmas feast ahead of time. Look for your desired recipes a week or two before you need to buy ingredients. This will not only save you from last-minute runs to the store and extra expenses but also avoid impulse buying of food items and other ingredients you don’t need.

    5.   Create a gift-giving list

    Christmas is known as the season of giving and receiving gifts to show appreciation and affection between friends and families. With this, it would be best to make a list of presents you need to buy and to whom you are giving them. And as good old Santa would do, check your gift list twice—you don’t want to overdo it and ruin your budget. 

    6.   Shop around for sales

    During this time, nearly every store will be selling goods at lower or discounted prices. The best way to spot these sales is by looking around online on different shopping websites and pages. Then, prepare your budget for these sales events, and make sure to only go for the best deals.

    7.   Try not to use credit too much

    As tempting as it may sound, using your credit card way too much during the holidays can become a bigger burden for you when the new year comes. Be smart about your usage of credit cards; only purchase items on credit if you have enough funds to pay for them in full come month-end, and don’t max your card out for trivial purchases.

    8.   Keep track of your spending

    These days, there are plenty of finance tracking apps that you can download on your mobile device for free; a simple Excel spreadsheet can work wonders, too! Keep track of your expenses during this season with these tools to help you stay within your budget.

    Merry Memories even on a Budget

    Preparing for the holidays can be challenging, especially for your finances. Decorations need to be put up, gifts need to be bought, and traditional Christmas dinners need to be cooked. Because of this, you need to make an efficient budget plan that allows you to stay financially safe even after your holiday prep.

    You can use all of the money you’ve saved from following these tips to get a savings and life insurance plan to start your new year right. Schedule a virtual appointment with a Bancassurance Sales Executive today and sign up to check what product best suites your current need.

    Did you know?

    You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

     

     

    Philam Life Vitality
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