Here’s how to prepare for year-end expenses

Business woman in the office working with financial data using calculator and writing make notepad. Business financial and accounting concept.

You blinked and 2023 is already knocking on the door. And with the end of the year come parties, gifts, vacations, taxes, etc. But don’t worry, there’s still time to get organized and control end-of-year expenses. Check below some ideas that we separated and that you can try to put into practice to enjoy this moment of fraternization peacefully.

Have a holiday party that fits your budget

With inflation still high, everything is more expensive. Even if you’re not in debt , how about having a leaner and more planned celebration? A good tip is to set a maximum amount in your budget to spend on festivities and gifts. Start saving at the supermarket : write down everything you’ll need for supper and, if you have more people at home, don’t be shy about proposing the division of costs.

Creatively reuse last year’s ornaments

It is unlikely that everyone will remember the Christmas decoration you used in 2021. In the face of this, reuse the blinkers, ornaments, tree balls and, to give an air of renewal, place them in different places.

You can still be encouraged to make a DIY type decoration , or “do it yourself”, using recyclable material. See here how to make a cheap, beautiful and sustainable Christmas decoration.

Avoid making year-end expenses into impulse spending

The end of the year brings a very intense emotional appeal and it’s not just dates like Christmas or New Year’s Eve that lead us to consumption. It is worth remembering that in November we have Black Friday, which has already entered into the end of the year expenses for many people.

In order not to be seduced by advertisements and offers, research the price of everything very well and consider whether the expense in question really makes sense or if you are not just letting yourself be involved in the euphoria of the moment.

Plan the vacation in advance

Traveling at the end of the year is a great opportunity, especially for those who want to combine school holidays with a family outing. Remember, however, that this is a high season period, that is, much sought after by travelers and, consequently, more expensive.

To avoid debt, schedule yourself in advance to get good discounts. Also make a spreadsheet with an estimate of expenses and try to pay most of the expenses before the trip. And don’t forget to prepare your apartment to ensure a safe vacation.

Excited for the end of the year? With these tips, a little organization and a lot of planning, you’ll be able to celebrate in style and start the year without debt.


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