Your Smart Jagora zuwa Holiday Finances

Wadatacce

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Kyauta kyauta yakamata ya zama abin farin ciki-daga tsarawa da siyayya zuwa musanyawa. Waɗannan ra'ayoyin za su faranta wa mai karɓar ku, kasafin ku, da hankalin ku.

Ƙara kuɗin ku

Koyaushe ba da damar ƙaramin ɗaki a cikin kasafin kuɗin bayar da kyaututtukan ku: Na farko, ƙayyade iyakokin kashe kuɗin da kuka fi so-sannan ku ware kashi 20 na shi don siyayyar minti na ƙarshe da ba a tsammani. Misali, idan zaka iya samun $ 500, kashe $ 400 kawai. Ta wannan hanyar, idan kun karɓi kyauta daga wani wanda baya cikin jerin asalin ku, zaku iya ramawa ba tare da busa layin ku ba, in ji Judith Akin, MD, wani ƙwararren likitan kwakwalwa a Jami'ar Vanderbilt. Akwai kyakkyawar dama da za ku buƙaci matashin kai: A bara, Amurkawa sun kiyasta cewa za su faɗi kusan $ 536 a ranakun hutu amma sun ƙare kashe matsakaicin $ 730 kowannensu, binciken Gidauniyar Retail na Ƙasa.

Mai da hankali ga Abin da ke da mahimmanci

Kamar yadda kuke son raya abokanka da dangin ku, yana da sauƙi ku ji kamar koda mafi kyawun ƙoƙarin ku bai isa ba (musamman idan da'irar zamantakewar ku ta haɗa da manyan masu kashe kuɗi). Wannan ba dalilin damuwa bane, kodayake, in ji masu binciken Makarantar Digiri na Makarantar Stanford. Sun gano cewa yayin da masu bayarwa suka yi imanin masu karɓar za su fi godiya da kyaututtuka masu tsada, a gaskiya farashi ba shi da tasiri akan godiya. Idan har yanzu kuna jin shakuwar ku ta über-karimci pals, gwada haɗa kuɗi don kyauta na rukuni, ko ƙaddamar da jigon Sirrin Santa, kamar kyaututtukan 80s-wahayi tare da hular farashin $20.

Tuna Soyayya

Idan kai da saurayinku suna tunanin tsallake musanyawar da ake yi yanzu (saboda kawai kun shiga rabi a kan sabon kujera, ku ce), kar ku yi, in ji Elizabeth Dunn, Ph.D., farfesa a fannin ilimin halayyar ɗan adam a Jami'ar British Columbia . Binciken ta ya nuna cewa kyautar da ta dace na iya tunatar da mutumin ku kwatankwacin kamannin ku, yana sa shi ya kasance da kyakkyawan fata game da makomar ku. Don zurfafa haɗin kai da gaske, mayar da hankali kan kyaututtukan da ke nuna abubuwan da kuke so, ta ce: Idan kun haɗu yayin taron bitar daukar hoto, samo masa kyamara. Duk masu son fim din? Siya masa akwatin akwatin da za ku iya kallo tare.

Ba da Kwarewa, Ba Abubuwa ba

Tafiya (kamar waɗannan 5 Amazing Fit Trips to Take this Winter), abinci, nune -nunen ... waɗannan suna sa mutane farin ciki fiye da kayan duniya, a cewar bincike a Kimiyyar Ilimin halin Dan Adam. Dunn ya ce ku tuna da wannan yayin da kuke siyayya, kuma kuyi la'akari da tikitin kide-kide ko biyan kuɗi, kamar kulob ɗin giya na-wata. Don zaɓuɓɓuka masu ƙarancin tsada, yi tunanin baucan fina-finai, takardar shaidar kyauta mani/pedi, ko ma abincin rana kawai a sabon gidan abinci. "Za ku iya tserewa tare da rage kashe kuɗi akan kyaututtukan kwarewa," in ji Dunn, "saboda mutane sun fi daraja su sosai."

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