With Thanksgiving nearly here, we want to be appreciative of the things we have. One of those things is the opportunity available every day to create a new situation for ourselves. Don't put off improving your financial habits until the new year, the new month, or even next Monday. You deserve to reap the benefits of starting today to upgrade your financial health. Pick one area of your finances that you can improve on. Whether it is looking for a new or additional job, starting to work on your budget, or looking at an expense or two that you can reduce, give the gift to yourself of easing your financial burden.
This is also a good time, as you start thinking about any holiday shopping you may do, to determine how well you are managing your holiday expenses. It is easy to make a list of all the people you want to give gifts to. It may be a little harder to figure out what they might want. Before you do that, you need to stop and really consider what you can comfortably afford. It's ok to downsize the expense to the limits that you can manage. Don't let yourself create the stress of after holiday debt by trying to live up to someone else's finances.
If you are in a new relationship you may want to have a conversation so that you are both on the same page for gift giving expectations. Money talk may not be romantic, but neither are uncomfortable surprises when the wrapping paper comes off. There is nothing wrong if partners in a relationship have different financial situations. The problems come up when
they have different expectations.
Happy Thanksgiving. Happy holiday season, whatever you may celebrate.
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