{"id":26685,"date":"2023-06-21T04:15:00","date_gmt":"2023-06-21T11:15:00","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=26685"},"modified":"2023-06-09T09:09:50","modified_gmt":"2023-06-09T16:09:50","slug":"a-post-summer-budget-plan-for-building-a-healthy-christmas-fund-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id26685-a-post-summer-budget-plan-for-building-a-healthy-christmas-fund-2.html","title":{"rendered":"A Summer Budget Plan for Building a Healthy Christmas Fund"},"content":{"rendered":"<p><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/Sunset-Tree.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-26686\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/Sunset-Tree.png\" alt=\"building a healthy Christmas fund\" width=\"395\" height=\"385\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/Sunset-Tree.png 779w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/Sunset-Tree-300x292.png 300w\" sizes=\"auto, (max-width: 395px) 100vw, 395px\" \/><\/a>Although the development of excellent budgeting skills is important throughout the year, utilizing restraint and prudence with respect to personal finance is particularly important during the months that proceed the Christmas season. As the summer comes into view and December creeps closer, individuals who want to be able to spend freely and during the holidays should consider strategies that can help them to&nbsp; begin building a healthy Christmas fund. Thankfully, there are proven strategies that can help ensure everyone has excess funds available during the holiday season.<\/p>\n<p>So, if you&#8217;re ready and willing to start implementing effective budgeting techniques, the following strategies can be quite helpful:<\/p>\n<p><strong>Create SMART Goals<\/strong><\/p>\n<p>In order to budget effectively you need to have a clear understanding of foundational financial realities, such as your weekly income and how much money you&#8217;re attempting to accumulate by the time Christmas arrives. After you have attained this information, it is prudent for you to create SMART goals. The acronym &#8220;SMART&#8221; stands for Specific, Measurable, Attainable, Relevant, and Time-bound. An example of a SMART goal would be: <em>I will deposit $100 from my weekly pay check into a savings account each Friday until December 1st in order to accumulate $2,000 of spending money for the Christmas season.<\/em> When you set clearly defined <a href=\"https:\/\/lenpenzo.com\/blog\/id17581-the-unconventional-wisdom-of-household-strategic-planning.html\">strategic goals<\/a> such as this, you are much more likely to accomplish them.<\/p>\n<p><strong>Make Your Own Meals<\/strong><\/p>\n<p>For many people, one of the most money-zapping endeavors that they engage in is eating out. This is oftentimes an especially prevalent behavior during the summer given the recreational, entertainment-like nature of the season. While eating out occasionally is fine, it&#8217;s very expensive &#8212; so individuals who are attempting to save should get in the habit of preparing <a href=\"https:\/\/lenpenzo.com\/blog\/id1377-quick-family-meals-cheap-cooking.html\">inexpensive home-cooked meals<\/a> to offset the high cost of restaurant dining.<\/p>\n<p><strong>Rethink Your Vacation<\/strong><\/p>\n<p>Although summer is peak vacation season, prospective savers must think critically about where they&#8217;re going and for how long. For example, two-week cruises are fun, but the money that&#8217;s required for this type of vacation can be excessive. Unless you&#8217;re, say, an avid points collector. Such a strategy will allow you to relax and rejuvenate yourself in inexpensive ways. For example, you could throw a pool party at a friend&#8217;s house rather than planning an expensive beach vacation.<\/p>\n<p>Although this isn&#8217;t an exhaustive how-to list for building a healthy Christmas fund, it does provide you with several effective strategies that you can begin implementing now. By doing so, you&#8217;ll increase the odds of having a surplus of funds during the upcoming Christmas season. Good luck!<\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: kimedoll<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Although the development of excellent budgeting skills is important throughout the year, utilizing restraint and prudence with respect to personal finance is particularly important during the months that proceed the Christmas season. As the summer comes into view and December creeps closer, individuals who want to be able to spend freely and during the holidays [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":26686,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[466],"tags":[],"class_list":{"0":"post-26685","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-saving","8":"pmpro-has-access","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>A Summer Budget Plan for Building a Healthy Christmas Fund<\/title>\n<meta name=\"description\" content=\"Summer is the perfect time to begin building a healthy Christmas fund. 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