GHOST OF CHRISTMAS DEBT

You’ve got a thique social calendar this holiday season and not a lot of financial wiggle room- so if you’re not careful, you’re gonna incur debt buying presents.

I recommend getting creative instead of breaking the bank! Don’t sleep on the idea of bringing homemade gifts, like baked goods or a homemade ornament. The whole goal is not to show up empty handed but that doesn’t mean spending a lot.

Here is the famous $250 Neiman Marcus cookie recipe. Bake these, put them in a tin, and write a homemade card. I promise people will be obsessed:

Here’s the wine club I use to buy natural wines in bulk. You can buy 6 bottles for $155 which equals out to $25/ bottle:

Or champagne for $13/ bottle:

Or a non alcoholic spirit for $39 a bottle!

P.S. Maybe it’s time to put Start Here on your holiday gift list. I touch on budgeting for non-monthly expenses and saving up for big yearly expenses such as holiday gifts. Let’s get you better prepared for next year!