You’ll also want to make a list

mdrauf202429@gm

Overspending. But starting out by listing general categories can get you into the right frame of mind. Think in terms of bigger-picture elements like food gifts travel and charitable giving. You might also want to check your calendar to determine which events you’re attending or where you’re headed (and when).Now it’s time to get really detailed. Divide up your categories as needed and create a list of every expense you can think of — right down to the meals you’re cooking eating out or bringing along to a party. If you’re traveling for the holidays this year include lines for gas plane tickets hotel stays and rental cars.


You’ll also want to make a list of everyone you’re buying gifts for. Write down the name of each Belize WhatsApp Number person you plan to give to and every donation you want to make — even the white elephant party at work deserves a spot. And don’t forget holiday decorations and supplies.The more detailed your list is the better you’ll be able to anticipate costs and allocate funds. If you always participate in an annual cookie exchange at work write down the ingredients you need for your cookie recipe on your expense sheet. If you’re in more than one Secret Santa exchange add them to the list. Remember the wrapping paper and shipping costs for gifts and don’t forget the coordinating outfits for your annual holiday card.





Your goal is to get the most accurate picture possible of your holiday spending — before you actually spend.Set Spending Limits for Categories and Subcategories Photo Courtesy Betsie Van der MeerGetty ImagesNTWith your list of expenses at the ready it’s time to start creating spending limits for each item. Again it can  to start out with a general idea and gradually narrow things down. This might mean setting an overall spending limit for the season and allocating a certain amount to each holiday or event before giving a spending cap to each present meal and.