www.henriott.com

800.382.7875 This flyer is for informational purposes only and is not intended as professional advice.

Loss prevention tips for all your home matters provided by:

Henriott Group

Connect with Us

Consider staying home and shopping online. Not

only do many retailers waive shipping fees during

the holidays, you’ll save money on gas by not hav-

ing to visit the mall, too.

Take advantage of post-holiday sales on gifts for

next year.

Get a part-time job during the holidays, such as

wrapping gifts at the local mall or being part of the

Christmas display. This will increase your holiday

budget and get you into the spirit.

Consider opening a holiday savings account. You

can make arrangements for automatic payroll de-

ductions throughout the year to be financially fit

when the shopping season hits.

Check your shopping list and make sure that everyone you

are buying for needs a gift. If you’re budget is tight, buy

only for close family and friends.

Write down a maximum dollar amount that you want to

spend for your entire list and then track how much you are

actually spending.

Buy items in bulk so you always have something little on

hand for unexpected gifts. Consider a case of wine, can-

dles or chocolates.

Be realistic about your purchases and ask yourself the fol-

lowing: Can I really afford this gift? Do I have the cash in

my bank account to pay for it? When shopping, leave your

credit cards at home. Then, if you do not have the cash to

pay for it, you can’t buy the gift.

The APA found that 61 percent of consumers cite lack of

money, pressures of gift giving and credit card debt as

major stressors.

Instead of worrying about these money-related problems,

get your finances in order and spend time worrying about

what color to frost your holiday cookies instead!

Plan Ahead

According to the American Psychological Association (APA), the leading cause of stress during the holiday season derives from money problems. To combat stress, smart shoppers incorporate the gift giving season into their budget each month and buy presents throughout the year. However, if you are like most consumers, you have not planned ahead and may find yourself struggling for cash come January. Don’t despair though – proper budgeting and smart shopping techniques will help you stay within budget while finding something special for everyone on your list.

Holiday Budgeting Techniques

This flyer is for informational purposes only and is not intended as professional

Connect with Us

250 Main Street | Suite 650 Lafayette, IN 47901 www.henriott.com 800.382.7875