The Gift of Being Practical at Christmas

  • By Jillian Taylor-Mancusi, B.A., C.I.R.P

 

Have you started your Christmas shopping yet? I was asked that question just yesterday while chatting with an acquaintance. I proudly answered her that in fact I was nearly finished and had done so by staying within budget!  Be practical with your Christmas spending and you will save your budget.

Purchasing Christmas gifts can be a huge expense especially if all of your shopping is done in one month. A number of years ago we, as an extended family, agreed that we would only purchase gifts for each other that cost less than $10.00. This allows everyone to keep their holiday spending to a minimum. By agreeing to keep the spending contained you are also eliminating excessive spending on gifts that loved ones don’t really want or in some cases even like.

This gift agreement allows me to pick up gifts during offseason shopping trips. For example, I can purchase great gifts during end of season clearance sales and store them until December.

Your family may not agree to the $10.00 gift idea, but the same principle can work for you. Allocate how much money you are going to spend for each gift and do your best to purchase them throughout the year. This is going to alleviate the burden of shopping on your budget in November and December. However, there’s still no guarantee that they will like the present you choose!

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Jillian Taylor-Mancusi, B.A., C.I.R.P

Jillian has worked in the insolvency field since 1992. She is a graduate of the University of Manitoba. She received her Insolvency Counselor’s Qualification Certificate from Ryerson Polytechnic University in 1998, and in 2007 she attained her license as a Licensed Insolvency Trustee. Jillian is a Read More Jillian has worked in the insolvency field since 1992. She is a graduate of the University of Manitoba. She received her Insolvency Counselor’s Qualification Certificate from Ryerson Polytechnic University in 1998, and in 2007 she attained her license as a Licensed Insolvency Trustee. Jillian is a member of the Canadian Association of Insolvency and Restructuring Professionals (CAIRP). She is Past President of the Manitoba Association of Insolvency and Restructuring Professionals (MAIRP).Jillian has held positions on the Armstrong Point Association, Executive of her local EDA Riding Association, Manitoba Highland Dance Association, and the Continuing Education Committee of CAIRP. Previously, Jillian was the Treasurer for the Parent Association at her daughter’s school. Currently, Jillian serves as the Vice Chair for Dressage Winnipeg. Close

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