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The giving season is here, and you may be wondering how to make extra room for charitable giving in a budget weighed down by gifts for loved ones. No matter what, the holidays can put a big dent in your budget, so don't feel guilty if you can't write one big check to your favorite cause this year. There are several ways to give thoughtfully without causing stress. Read on for six easy-to-follow strategies to give back without breaking the bank.
Need a better way to be mindful about your holiday spending? A spending to-do-list may be just what you need, according to Johnny and Joanna Galbraith, founders of Our Freaking Budget. The couple say this helpful list helps them stay on top of their budget and prevents them from splurging, especially during the holidays. A spending to-do-list is simple. Every evening before bed, or in the morning before you start your day, write down the purchases you plan to make, and include the amount of money you intend to spend on those purchases. “The intent there is to cut down on impulse purchases and things that you weren’t necessarily planning on buying,” Johnny Galbraith says.
'Tis the season for holiday deals -- and scams. Cyberthieves will be out in force this year, but they won't be ringing bells or dressing up like Santa. They will be trying to lure you to fake shopping online sites and trying to steal your personal information. According to DomainTools.com, a threat intelligence company, "2 in 5 consumers fall for phony Web sites that they think is connected to a national brand." These sites are set up to "phish" or steal your personal information. And there's always of new crop of scam sites that prey on consumers. Last year, according to the Anti-Phishing Working Group (APWG), "nearly 119,000 unique phishing sites were detected during November 2016, with over 300 individual brands targeted that month."
Did you know that 47% of Americans cannot cover an emergency expense costing $400 or more? SAC Foundation understands this dire need and has an online, self-help financial education tool called KOFE to help provide basic money management fundamentals. Check out this FREE resource by clicking the link below!
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