如何做假期预算
通过诸如52周挑战之类的假期预算技巧来控制你的钱.
无论是感恩节还是圣诞节，假期都来得很快. 规划 ahead and budgeting for the holidays can help. 在准备假期消费时，这里有一些事实和想法需要考虑.
Holiday budgeting by the numbers
- 56% of Americans set a budget for holiday spending — but 只有64%的人坚持了下来.
- $998 花在节日用品上的钱 such as gifts, food, decorations and other related purchases.
- $311.75 is spent over the Thanksgiving weekend, which includes Black Friday and Cyber Monday.
- 218美元是 average amount grandparents spend on holiday gifts for their grandkids.
- $46.90是平均值 感恩节大餐的花费 10.
- 731美元是符合条件的持卡人可以根据2%现金返还奖励卡申请的假日消费现金返还 $36,560 平均U.S. household could put on their credit card each year.
- $1,通过52周的挑战，全年可以节省378美元用于度假:每年的第一周1美元, 第二周2美元, 再加一美元(1美元), $2, $3) each week through $52 on week 52.
- 5年是 time it would take to pay off $1,048 in 信用卡债务 if you make the minimum payment of $25/month at 17% interest.
- 2天 专家说在购买非必需品之前等待的时间是多少.
更多假期预算建议
- In your budget planner, include everything — not just gifts. Include party essentials, 包装纸 和卡片.
- 提前制定你的购物清单，观察价格和最优惠的销售.
- Set some expectations with kids first (for example, 你想要的东西, 你需要的东西, something creative) to help manage expectations and your budget.
- 跳过 信用卡 使用预付借记卡.
- 思考 网上购物将它们与你的清单和预算进行比较，而不是冲动行事.
- Consider ways to save — without impacting your future. 二手商店, DIY的选择，甚至不送礼物(先商量一下)都可以帮助减少超支的机会.
- 举办一个节日聚餐，控制预算，或者看看别人是否有兴趣举办.
- Figure out your budget on January 1 and save the 适量 每个月.
- Buy throughout the year as you see items on sale, 安排每月或每周的预算检查，以控制你的支出.
控制你的假期预算可能需要时间，但却毫不费力 省钱的方法 让它更简单. To keep you safe during the holidays, check out our 度假安全提示 article.
These calculators can help you to save and pay off debt:
计算省钱的方法
Calculate your saving plan for large purchases
如何还清债务
$998
花在节日用品上的钱，如礼物、食物、装饰品和其他相关的购买.1 The PLAN: In your budget planner, include everything — not just gifts; include party essentials, 包装纸, 和卡片.1
$311.75
你数量.S. 消费者在感恩节周末(包括黑色星期五和网络星期一)消费.2 计划:跳过节日的歇斯底里:提前制定你的清单，观察价格和最优惠的销售.2
$218
Average amount grandparents spent on gifts for their grandchildren. The PLAN: Don't go in debt to pay for children's gifts. Pay cash, prepaid debit card or pay your credit card balance in full. 如果你不这样做，你花在礼物上的钱可能会随着利息的增加而大大增加.3
5年
The amount of time it would take to pay off $1,如果你每月最低还款额为25美元，利息为17%，你还可以欠下0.48美元的信用卡债务.4 The PLAN: If you have debt or are tempted to go into debt, skip the 信用卡 and use cash or a prepaid debit card.4
2天
Time that experts say to wait before making an online purchase.5 The PLAN: 思考 网上购物将它们与你的清单和预算进行比较，而不是冲动行事.5
$731
合资格持卡人可申请的年度现金返现金额. This is based on a 2% cash back rewards card, the $36,5646 这是普通美国家庭每年用信用卡支付的金额，每个月都按时全额还清. 计划:如果你每个月都能还清你的信用卡，并得到一张信用卡的批准，在你购物时给你现金返还, 这一年的金额可以支付你的全部或部分度假费用.
$46.90
一顿10人的传统感恩节大餐的平均食材成本. 计划:举办或看看别人是否愿意举办一个节日聚餐，以控制预算.7
$1,378
通过52周的挑战，你可以为假期节省的钱:在一年的第一周节省1美元, 第二周2美元, 再加一美元(1美元), $2, $3) each week through $52 on week 52. 计划:在1月1日算出你的预算，每个月存适量的钱.
56.3%
% of Americans who set a budget for holiday spending. 64% of them stuck to their budget. The PLAN: Buy throughout the year as you see items on sale, 并安排每月或每周的预算检查，以保持支出的检查.8
Need more help planning a budget or paying off a loan or credit card? 视图4dian8.com/simple-insights/calculators for a variety of helpful calculators.
1 http://nrf.com/topics/holiday-and-seasonal-trends/winter-holidays
2 http://nrf.com/media-center/press-releases/holiday-shoppers-take-advantage-early-thanksgiving-weekend-deals
3 http://www.opploans.com/oppu/articles/how-much-do-grandparents-spend-on-holiday-gifts/
4 http://www.ramseysolutions.com/budgeting/the-costly-christmas-mistake
5 http://blogues.desjardins.com/advicecentre/2019/08/tips-and-tricks-for-sticking-to-your-budget-and-saving.php
6 http://www.fool.com/the-ascent/credit-cards/articles/what-average-american-earn-per-year-credit-card-rewards/
7 http://www.fb.org/newsroom/farm-bureau-survey-thanksgiving-dinner-cost-down-4
8 http://www.fool.com/the-ascent/research/christmas-spending-statistics/
