Credit Card Debt Relief: 6 Strategies – MintLife Blog
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$1 trillion in credit card debt, there must be a sustainable option to lessen the stress of carrying large debts month over month, year over year. Credit card debt relief is a way to not only get out of seemingly endless debt but also to perhaps bring about a little bit of mental—and ultimately, financial—peace.
Rather than just assuming you can entirely write your debt off with little impact otherwise, it’s important to know the various credit card debt relief options that are available and the different impacts each approach will have on your credit and financial health over the long term.
Keep reading to learn six credit card debt relief strategies, or use the links below to navigate the article.
How to Pursue Credit Card Debt Relief
Seeking credit card debt relief can be an ideal option for those experiencing hardship from life’s unexpected happenings, whether that’s medical bills, a sudden loss of income, or debt that has become excessively difficult to manage. Before deciding on a course of action, it’s important to know the differences between each approach.
Here are six strategies to consider for credit card debt relief:
1. Do-It-Yourself
Credit card debt relief may be able to be reached through a resolute commitment to aggressively paying down debts as quickly as possible. Do-it-yourself options to credit card debt relief require discipline and may not offer the degree of immediate debt relief desired.
If you have a particularly good credit score, you may be able to negotiate a lower interest rate on your cards through individual credit card companies to lessen the burden of debt.
While you’re not necessarily entitled to a lower interest rate, explaining your hardship and mentioning the length of time you’ve been with the credit card company could help secure a better deal, making debt repayment more manageable.
You might also consider taking a new approach to paying down debt by:
The debt snowball approach — paying off the credit card with the smallest interest rate first while making minimum payments on other debts.
The debt avalanche method, which allows for accelerated debt repayment as you put extra money towards the debt with the highest interest rate, while paying the minimum on all other outstanding debts.
The snowball method costs more but can boost confidence in being able to fully tackle paying off one card before moving onto the next.
2. Consolidation
Consolidating debt means combining all outstanding debts you owe to different lenders into a new loan.
Credit card consolidation, while not a method that outright eliminates debt, can be a strategy to help you pay down debt faster. With this option, you’ll only be making one payment a month instead of several— potentially making it easier to keep track of what you owe.
By taking out a low-interest rate loan through a lending institution, you may be able to pay off the majority, if not all, of your high-interest credit card debt.
Another option for consolidation is to do a balance transfer from a high-interest credit card to a credit card with a lower or no interest rate to lessen the burden of interest charges. It’s important to note that this option may come with a fee and doesn’t simply get rid of debt, but it could make the credit card debt relatively easier to pay down.
3. Credit Counseling
Seeking credit counseling, which is usually a free service provided through nonprofit organizations and independent financial agencies, may help lead you in the right direction to achieve credit card debt relief.
How it works
Trained counselors can guide you through repayment planning by reviewing your budget, analyzing your debt, and offering recommendations to help find a sustainable debt relief solution.
Counselors simply offer suggestions, making the service free unless you opt to use their help in pursuing a course of action, such as enrolling in a debt management program.
4. Debt Management Program
If you decide to sign up for a debt management program (DMP) through a credit counseling agency, you’ll make a single monthly payment to the agency, and the agency will in turn pay your creditors. With this option, you’ll likely be able to pay off your debts within three to five years, as outlined in your specific debt management plan.
Considerations
By enrolling in a debt management plan, you won’t be able to obtain new credit until your debts are paid off. In fact, the credit counseling agency will close your active credit accounts while you complete the plan.
Closing your credit card accounts could negatively impact your credit score in the short-term, but by making regular monthly payments (that you can actually afford), debt management programs may help you find credit card debt relief over time.
5. Debt Settlement
Debt settlement means negotiating with your creditors to pay less on your debt than the amount you actually owe. This agreement is typically arranged by a third party—a debt settlement company—that acts as an intermediary between you and your credit card companies.
How it works
In this scenario, you cease making payments directly to the credit card companies and instead pay the debt settlement company, which in turn offers a lump sum payment to appease the creditors.
Considerations
This avenue is typically a poor choice for credit card debt relief because as you stop making payments to your creditors, your credit score will not only deteriorate, but credit card companies can also come after you with penalty fees and even legal action for failing to make payments. There could also be tax implications if a large amount of debt is forgiven, because the IRS may consider cancelled or forgiven debt as taxable income.
6. Bankruptcy
Bankruptcy should be reserved as a last resort in extreme cases of credit card debt hardship, as it has serious implications on your credit score.
The two most common types of bankruptcy are:
Chapter 7 which forgives your debts on the condition that you liquidate some of your assets to pay creditors.
Chapter 13 in which you enter into a court-arranged debt repayment plan that lasts three to five years, after which your debts are dismissed.
Chapter 7 bankruptcy is the only true way to avoid paying your debts, as it essentially wipes out outstanding debt entirely and offers a clean slate. Creditors still receive some means of repayment, whether in assets or through the repayment plan, and bankruptcy can offer a way out of otherwise inescapable debt.
Effects of Credit Debt Relief on Your Credit
Depending on which approach you pursue to achieve credit card debt relief, effects on your credit could range from nonexistent to severe damage. Since credit utilization (the amount of outstanding balances you have compared to your credit limit) makes up 30 percent of your credit score, carrying high credit card debt month after month is likely to have a damaging effect on your score.
The self-managed approach to reducing debt may not necessarily hurt your credit, so long as you continue to make regular payments. Credit card consolidation may help you tackle debt faster, possibly leading to a better score in the long run. Credit counseling won’t have a direct impact on your credit unless you decide to act on the advice given, such as signing up for a debt management plan. Depending on the parameters of the specific debt management program you sign up for, DMPs could have either a positive or negative effect on your credit.
On the more extreme end, opting for debt settlement through a third-party has the potential to hurt your credit when you stop making regular payments to credit card companies. Similarly, filing for bankruptcy could critically weaken your creditworthiness and should only be a last resort option, as a Chapter 7 filing stays on your credit report for ten years, while a Chapter 13 will remain for seven years.
The Bottom Line
The best approach to credit card debt relief depends entirely on the individual level of hardship you have in paying back credit card debts. It’s essential to consider the different options to reducing the strain of credit card debt that will work for your lifestyle. Whether you opt to take the do-it-yourself route or find yourself filing for bankruptcy, taking a committed approach to minimizing your debt could lend itself to better financial health in the long run.
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A record portion of California home sales were paid for with cold, hard cash last month, according to a report from DataQuick.
The company said 30.9 percent of all new and resale houses and condos sold statewide in January were purchased sans mortgage.
That’s the highest level in at least 23 years (their stats go back to 1988) and well above the 28.9 percent cash-share seen in December and the 27.8 percent share a year ago.
Cash buying also hit an annual high last year in the Golden State, with 27.8 percent of all homes sold paid for in cash, up from 26 percent in 2009, which was the previous annual record.
But California wasn’t the only state where buyers paid in cash – homes purchased with cash climbed to peak levels in DataQuick’s statistics across the majority of the Western U.S., including the Phoenix, Las Vegas, Reno, Denver, Portland and Seattle regions.
Over the past decade, cash buyers purchased a monthly average of 13.9 percent of homes sold in California, though that number has been above 20 percent since November 2008.
This could have to do with all those foreclosure sales, as about 52 percent of the homes purchased with cash in January had been foreclosed on in the prior 18 months.
The median price paid for a home purchased with cash last month was $160,000, down from $175,000 in December and $164,000 a year ago.
That compares to the $239,000 median for all homes sold statewide during the month.
Data also indicated that more than half of cash purchases were tied to investment properties.
Note that the all-cash deals were transactions where there was no indication of a purchase money mortgage recorded at the time of sale, but some buyers may have used alternative financing, such as taking out mortgages after the initial purchase.
The nation’s top mortgage lender has lowered the minimum credit score required for an FHA loan, according to American Banker.
Going forward, the bank is accepting FHA loan applications from borrowers with credit scores as low as 500, though they must come up with a 10 percent down payment and sport a maximum debt-to-income ratio of 31 percent.
That seems like a pretty safe bet, given the fact that home prices have likely seen bottom or are relatively close to bottoming out.
Previously, Wells only accepted FHA loans from borrowers with credit scores of 600 and upwards.
The move was made following pressure from HUD, which oversees FHA lending, along with affordable housing advocates, largely because FHA loans are intended to serve the underserved, not everyday Joes.
Back in November, Wells and other top lenders were actually raising minimum credit score requirements on FHA loans…
It is believed that loans originated via mortgage brokers and correspondent lenders still carry harsher underwriting standards, with the minimum credit score 620 or 640.
At the end of the third quarter of 2010, just 3.8 percent of FHA loans had scores below 620 or no credit score, compared to 50.4 percent as of the end of 2008.
Back in mid-2010, the FHA announced a minimum credit score of 500 on all loan programs, with a 580 score needed to qualify for the flagship 3.5 percent down payment program.
I’ve written about the importance of credit scores before, especially when it comes to getting a mortgage, mentioning that you could save tens of thousands of dollars if you simply had excellent credit.
Fortunately, it appears that the general public is aware of this, per a new study from credit bureau Experian.
The company said some 45% of would-be home buyers (those planning to buy in the next year) are holding off until they improve their credit scores.
This is a good thing because it means they’ll be able to qualify for a greater array of mortgage programs, instead of say just FHA financing, and potentially obtain a lower mortgage rate (and lower monthly payment) in the process.
Still, 34% of those surveyed fret that their credit scores may hurt their ability to purchase a home. And one in five are holding off entirely for at least the next 5-10 years because of a low credit score.
But instead of worrying and accepting defeat, why not take action to improve things so you can shop for a home with confidence?
54% of Future Buyers Are Working on Their Credit Now
The survey found that more than half of future buyers were actively working on improving their credit before making an offer by paying off existing debt, keeping balances low, and making on-time payments.
This is wise given the difference in mortgage rates for an average credit score versus an excellent credit score.
Generally, you want to shoot for a FICO score north of 760 (though 740 might also do) to ensure you obtain the best pricing on both your mortgage rate and PMI, if necessary.
Sure, you can still get approved for a mortgage with an average or even poor credit score, but you’ll just wind up paying a lot more interest over the years. And poor credit history is still the number one reason why individuals are denied a mortgage.
How to Take Action Today
If you’re unsure of how to turn things around, it’s actually pretty easy if you have the means. Assuming you’ve made timely payments on all your credit accounts but your score still isn’t where it should be, consider paying down those outstanding debts.
Last month, I revealed that that my own credit score tanked after the holidays because I made a ton of purchases on my credit cards, this despite paying all the balances to zero well before the due date.
The problem is that credit scores are simply a snapshot in time of your situation, and if you make a bunch of charges you could look worse off than you really are.
So the easiest way to keep your credit scores elevated is to avoid as many purchases as possible before looking for a home, while also paying down any existing balances. This will certainly boost your scores. Additionally, this budgeting can help you set aside more money for the down payment, closing costs, and reserve requirements associated with a mortgage.
Another biggie is to avoid opening any new credit accounts before you begin your home search. This is easy, just don’t do it. Those new credit accounts can drag your credit scores down and will likely increase your debt and take a bite out of your assets. Once your mortgage closes, you can go buy new furniture and whatever else you want.
If you’ve got some late payments on your credit history, your scores will definitely be depressed. One way to resolve this is by disputing the delinquencies with the credit bureaus directly, via their own websites. You don’t have to mail in letters anymore, so this process is a lot easier.
It’s possible to get negative items removed simply if the creditor(s) doesn’t respond to your dispute (even if you were still technically at fault). Once removed, your credit scores can skyrocket.
The takeaway is that a low credit score shouldn’t be the sole reason why you’re not buying a home. And it’s a very fixable problem.
However, it does take time for positive actions to reflect in your credit scores, so it’s never too early to start working on it. The moves you make today can save you thousands upon thousands in the way of a lower mortgage rate.
In some cases, you might even be able to buy more house because less outstanding credit card debt means your DTI ratio will allow for a larger mortgage payment. Your offer will also be more competitive.
Save more, spend smarter, and make your money go further
In an ideal world, your monthly cash flow would cover all your expenses — both expected and unexpected — and enable you to reach your financial goals. But financial situations are rarely ever that simple and straightforward.
What happens if something comes up in your life and your monthly budget nor your cash savings can handle the expense? There’s always the option to borrow, and while being in debt isn’t ideal, there are situations where it may make sense.
Before you take out your credit card and rack up a balance, look into other options. A personal loan might be a better financial bet.
What Is a Personal Loan (and Why Get One)?
A personal loan is a type of unsecured loan. “Unsecured” means you don’t put up collateral against the loan. When you take out a personal loan, you’ll typically receive the amount borrowed in a lump sum with fixed payment terms and a set interest rate.
Personal loans may be better options than credit cards because they offer better interest rates. Costing you less can be the biggest benefit, but a personal loan is also a different kind of credit account than a credit card. Managing various types of credit is one small action you can take to improve your credit score.
Keep in mind this is only true if you manage accounts and loans wisely. Here’s how to do so.
How to Manage Your Personal Loan Responsibly
Again, in an ideal world, you wouldn’t need to borrow money or wait a very long period of time to save up to buy what you want. But in real life, things happen and timelines shift. Taking out a personal loan can be an option. You just need to plan and act responsibly with the sum you borrow.
Don’t request more than you can reasonably afford to repay — and don’t take out a loan for a greater amount that what you truly need the money for. Not only do you need to pay that money back, but you’ll need to pay loan origination fees and whatever the interest rate on, making this option more expensive in the long run than simply using cash.
Create a repayment plan and stick to it. Know how much you need to allocate toward repaying your personal loan each month, and make it a priority in your budget. You may need to cut back on some discretionary spending, like meals out and shopping trips, in order to knock that loan out on time.
And before you take out any loan, make sure you fully understand the terms. Understand all the fees associated with the loan, and ask the lender if there are penalties for repaying the loan early.
What About Consolidating Debt with a Personal Loan?
Remember how it may make sense to take a personal loan over racking up credit card debt, thanks to a potentially lower interest rate? If you already have credit card debt across multiple cards and a high debt-to-income ratio, it may make sense to consolidate that debt with a personal loan.
This might be beneficial if you can get a lower interest rate on the personal loan than what you’re paying on your credit cards, and if you could afford the monthly repayment on the personal loan.
Like most other financial products, personal loans can be useful tools — but only if you wield them wisely and responsibly. Before applying for a personal loan, consider your overall financial health with a free credit score and report and consider if this is the right move for you.
Kali Hawlk is a freelance writer and the co-founder of Off The Rails, a free mentorship platform for creative women. She’s passionate about helping others do more with their money, their work, and their lives. Get in touch by tweeting @KaliHawlk.
From the Mint team: Everyone has different needs and desires as it relates to their financial situation. Mint’s new Loan Center has select personal loan and student refinancing options that may suit your needs (and have passed our sniff test!).
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Illinois boasts some of the best colleges and universities in the country.
Illinois can proudly claim some truly fantastic college towns. From Champaign–Urbana’s vibrant nightlife to Evanston’s charming lakefront views, there’s a little something for everyone in these bustling hubs of academic excellence. Let’s explore the best college towns in Illinois and discover what makes them such appealing places to call home.
Home to the University of Illinois at Urbana-Champaign, this dynamic duo of cities offers the classic college town experience. Champaign–Urbana offers a lively atmosphere that is welcoming to all and chock-full of some of the most interesting people in the state.
The downtown area is filled with restaurants, bars and shops catering to the diverse student population. Green Street, in particular, is a hub for socializing and entertainment, while the Krannert Center for the Performing Arts hosts various performances and events throughout the year. For outdoor enthusiasts, the area also has numerous parks, like Busey Woods and Crystal Lake Park, where students and residents can relax and unwind under the shining Central Illinois sun.
In addition to its vibrant social scene, Champaign-Urbana boasts a strong economy, offering students plenty of job opportunities and internships during their studies and after graduation.
As one of the most iconic cities in the country, it’s no surprise that Chicago makes the list of best college towns in Illinois. With institutions like the University of Chicago, DePaul University, and Loyola University Chicago, the Windy City offers a diverse range of educational opportunities.
Chicago is also known for its robust arts scene, with world-class museums, theaters and galleries peppered throughout the city. Students can easily immerse themselves in the city’s rich history and enjoy iconic landmarks like Millennium Park and Navy Pier.
The city also has a vibrant culinary scene, with everything from Michelin-starred restaurants to hole-in-the-wall eateries serving up delicious fare from all corners of the globe. And let’s not forget about the city’s many professional and semi-professional sports teams offering plenty of opportunities for die-hard fans and casual observers alike to cheer the Windy City to a win.
Located just north of Chicago along Lake Michigan, Evanston is home to the renowned Northwestern University. With its picturesque lakefront, tree-lined streets and charming downtown area, Evanston combines the best of small-town living with the cultural amenities of a larger college town.
Evanston’s downtown area is home to a wide variety of shops, restaurants and entertainment options, ensuring students have plenty to do when they’re not hitting the books. Popular attractions include the Evanston Art Center, the Block Museum of Art and the Mitchell Museum of the American Indian.
Outdoor enthusiasts can take advantage of the city’s many parks and beaches, which offer stunning views of the Chicago skyline. The Lakefront Trail, in particular, is a favorite among students for jogging, biking and leisurely strolls.
Home to Northern Illinois University, DeKalb is a charming college town that offers a warm and welcoming atmosphere for students and residents alike. With a strong sense of community, DeKalb provides an excellent environment for students to grow academically and personally.
The Egyptian Theatre, a beautifully restored 1920s movie palace, hosts concerts, movies, and other events throughout the year, adding a touch of historic charm to the town. For those who love the outdoors, DeKalb has several parks and nature preserves, including the picturesque Afton Forest Preserve.
Students can also enjoy the diverse dining options and local shops found in DeKalb’s downtown area. The annual Corn Fest, a beloved community event, celebrates the town’s agricultural roots and serves as a weekend of food, music and fun for all ages.
Home to Illinois State University, Normal is a quintessential college town that offers students a vibrant and friendly community. Uptown Normal has a variety of locally-owned shops, charming restaurants and unique entertainment venues that cater to the student population.
On the weekends, many students can be found soaking up the sun and sipping down some suds at DESTIHL Brewery and Beer Hall or absorbing the arts at the ever-popular University Galleries, which even displays works from the local student population.
With its strong sense of community and emerging economy, Normal is a great place for students to kick-start their careers after graduation.
Located just minutes from Normal, Bloomington is home to Illinois Wesleyan University. This picturesque college town offers a welcoming environment, along with a rich history and plenty of amenities for students to enjoy.
Downtown Bloomington features a diverse array of shops, restaurants and unique local attractions, including the historic Castle Theatre, which regularly hosts live performances. Students can also explore the city’s many parks and green spaces, like Miller Park Zoo and Constitution Trail.
Cultural attractions in Bloomington include the McLean County Museum of History and the Illinois Shakespeare Festival. With its strong sense of community and picturesque surroundings, Bloomington is an ideal college town for students seeking a well-rounded college experience that leaves them prepared for life in the real world.
Situated just west of Chicago, Elmhurst is home to Elmhurst University. This charming suburban town offers students a peaceful environment with easy access to the excitement and opportunities of Chicago.
The town’s thriving downtown area is home to the York Theatre and the Elmhurst Art Museum. Additionally, the Wilder Park Conservatory and the Lizzadro Museum of Lapidary Art offer unique cultural experiences for students to enjoy.
With its strong emphasis on community and a highly-rated school system, Elmhurst is an excellent choice for students looking to put down their professional roots in the Midwest after receiving their degrees.
Fall in love with a college town in Illinois
From the lively atmosphere of Champaign–Urbana to the tranquil charm of Elmhurst, the best college towns in Illinois offer students a diverse array of experiences and opportunities. Whether you’re seeking the excitement of a big city or the close-knit community of a small town, you’re sure to find the perfect fit in one of these fantastic college towns.
There’s been a lot of talk about budgeting here at Get Rich Slowly. For instance, Kristin recently wrote about her adventures using the envelope system. I wrote about the reasons your budget might be failing. And, a variety of guest posters and staff writers have touched on the topic with articles like these:
How I kept to my budget and still have everything I want
Budgeting: The Most Important Thing You Can Do With Your Money
How to Build a Better Budget
When One Partner Won’t Budget
However, among the articles on budgeting systems and strategies, there has been very little written on using a zero-sum budget, which happens to be the budget that I use and love. So, I wanted to write about why I’m a zero-sum budget enthusiast, why I think they work so well, and how you can harness the power of the zero-sum budget for your own financial well-being.
Why Should You Use a Zero-Sum Budget?
In my opinion, a zero-sum budget is superior because it forces you to “spend” every dollar that you make. And, no, I don’t mean you should spend it on dinner at Outback or a weekly mani/pedi. Instead, you allocate all of your earnings into the different categories that your finances require. You don’t need an Excel spreadsheet or a complex software program to use a zero-sum budget. In fact, all you really need is a pen, paper, and the desire to begin budgeting for your benefit. So, how do you begin using a zero-sum budget?
Follow these simple steps:
Step 1: Determine how much you make Whether you’re paid hourly or salary, you need to figure out how much money you make on any given month. So, you need to ask yourself a few questions. For instance, “How many paydays fall within this month?” And, “How much will each paycheck be?” For salaried workers, this should be fairly easy. For those with a fluctuating income, it can be much more difficult. However, one of the easiest ways to make a zero-sum budget work for your family is to get all of your finances “one month ahead.” Easier said than done, I know. But, using that method, a fluctuating income won’t matter as much. Since you’re using this month’s income for next month’s bills, it will be much, much easier to plan.
Step 2: List your bills Once you determine how much money you’ll make this month, you need to figure out how much money you need to spend next month. Using pen and paper, write out all of your monthly bills, estimating bills that fluctuate, like utilities. You’ll also need to set a reasonable allowance for spending categories that you’re trying to keep under control (like groceries and gas). And, don’t forget about bills that are paid quarterly or seasonal expenses. The best way to make a zero-sum budget work is to include everything.
I’ll use a generic version of one of my old budgets as a real-life example:
Mortgage: $1,426
Electric: $200 (estimate)
Gas: $25 (estimate)
Groceries: $500
Daycare: $500
Internet: $35
Fuel/Miscellaneous: $200
Cell Phone: $55
Health Insurance: $377
Life insurance: $77.31 (paid quarterly)
Trash: $56.25 (paid quarterly)
Total: $3,451.56
Of course, everyone’s categories will be different. Obviously, you’ll need to include all of your bills including any debt payments that you make on a monthly basis. Make sure to list all of your bills (even the ones that you’re trying to forget!). Confronting them is the first step to making them disappear for good!
Step 3: Compare and contrast This is where it gets fun, I think, and why using a zero-sum budget can be life-changing for so many people. Once you see your monthly income and your monthly bills on paper, a clear picture of how much money is left over emerges. You might find that thousands of dollars are being spent on “wants” each month. And, you could use that knowledge to begin saving that money instead. Regardless, once you determine how much money is left over after you pay all of your required expenses, you can decide what to do with the rest.
If my husband and I earned a net income of $7,000 for the sample month, we would update our zero-sum budget to reflect the overage:
Mortgage: $1,426
Electric: $200 (estimate)
Gas: $25 (estimate)
Groceries: $500
Daycare: $500
Internet: $35
Fuel/Miscellaneous: $200
Cell Phone: $55
Health Insurance: $377
Life insurance: $77.31 (paid quarterly)
Trash: $56.25 (paid quarterly)
Short-term savings: $1,500
Long-term savings: $1,500
Vacation Fund: $548.44
Total: $7,000.00
But, what if nothing is left? If you’re spending every penny you earn, it’s probably time to reconsider that strategy. Start by making a list of things you could live without. Some possibilities include cable television, eating out, or excessive entertainment spending. And remember, everyone’s priorities will be different. Although I do just fine without cable television, I have no desire to feed my family on a bare-bones grocery budget. You may feel exactly the opposite. And, as J.D. so eloquently put it, you have to do what works for you, whatever that is.
Step 4: Spend all of your money on paper Once you determine your own excess cash flow, you can decide where that money will serve you best. For instance, if you’re still in debt, you can decide to pay X number of additional dollars toward those debts. Many people, including me, tackled their debts using the snowball method. Using this method, you focus on one debt at a time, paying over as much as you can until that debt is demolished. Then you can move on to the next.
Or, if you don’t have any debts to contend with, you can allocate all of your extra cash toward your savings or investments. Obviously, it doesn’t have to be all or nothing. You can choose to tackle your debts and continue saving at the same time. It’s up to you. However, the key is to go ahead and transfer the money you have allocated to savings right away. That way it doesn’t get squandered on those dinners at Outback, weekly mani/pedis, or anything else.
Step 5: Track your spending If you have a preset spending limit for your zero-sum budget categories, you’ll need to check in periodically throughout the month to “see where you’re at.” I’ve found this to be particularly helpful when it comes to grocery and miscellaneous spending. I have a tendency, in fact, to completely blow through my grocery budget if I don’t watch myself. ($8 organic oregano, anyone?) So, to combat my grocery spending weakness, I usually check my spending about once a week. And for the most part, when it’s gone, it’s gone. This often means that we’re eating freezer food and leftovers by the end of the month, which seriously annoys my kids. But, it works!
Step 6: Make adjustments Your zero-sum budget may be an epic failure for the first few months. And, that’s OK. You’ll probably need to make some adjustments to get it just right. Maybe you need to add a little buffer to your grocery category. Or, add some wiggle room to the entertainment portion of your budget. Whatever it is, making adjustments shouldn’t be seen as a failure. In fact, it’s just part of the budgeting process.
One More Thing
Unless you want to have a specific budget category just for emergencies, an emergency fund is a crucial part of using a zero-sum budget. Having an adequate emergency fund means that a surprise car repair or medical bill won’t knock your entire financial plan off track. And, whenever you have to tap into your emergency fund, it’s important to replace the funds you use. You can do this by budgeting to add to your emergency fund in the following month (or months) until it’s back to its former glory.
Have you ever used a zero-sum budget? If so, did it work? Also, please feel free to share your favorite budgeting strategies below.
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It’s that time of year again. The joyous, magical time of giving and receiving!
What do I want for Christmas?
This is a question that you may find yourself asking this time of year.
It can be hard to ask someone what they would like as it feels kind of weird and embarrassing! Even worse, is actually telling someone exactly what you want.
Many times people are so caught up in their own lives, with work and school, and other things going on, that they don’t know what the best gift to give each other might be! The last thing anyone needs is more stress (or anxiety) around the holidays.
So, I have compiled a list of some ideas for what you might like as a gift this Christmas!
To kickstart this list, I asked around to my besties – both women and men what they really want for Christmas. This list is from real people!
Guaranteed you will find the perfect gift for that someone special on your list!
things I want for christmas
I hope this holiday gift guide helps give you some ideas for what to ask for this year!
Deep down, I want big things like travel, quiet time, health, and hanging out with my family. But, my family always wants ideas.
Regardless, if you have a big Christmas list or small one, here are great ideas for you.
What do I want on my Christmas list?
When it comes to Christmas lists, it can be tough to figure out what you actually want.
After all, there are so many things to choose from! But don’t worry, we’re here to help.
Consider the five-gift rule:
Something I Want
Something I Need
Something to Wear
Something to Read
Something to Do
Some great gift ideas for Christmas include clothes, books, movies, gift cards, and experiences like a trip or a concert. But remember: these are just suggestions! You should put whatever you want on your list–after all, it’s your Christmas present!
What Do I Want for Christmas?
Hey everyone, it’s that time of year again when we all start to think about what we want for Christmas.
Personally, I’ve been doing a lot of online shopping and have compiled a list of items that I would love to see under the tree on December 25th.
If you’re like me and still haven’t decided on what you want, don’t worry! I’ve got you covered with this ultimate holiday gift guide.
1. Headphones / AirPods
First up are headphones. There are a ton of different options when it comes to headphones, but I love my Apple AirPods I received a few years ago.
The price tags on most of their devices seem steep at first, but you can find some great entry-level ones that offer great quality.
I highly recommend quality headphones for your Christmas wish list.
2. Money
Money is a popular gift option because it offers a lot of flexibility. You can use it to buy anything you want, and it’s always appreciated. Some people find it difficult to ask for money or receive it as a gift, but with the right attitude, it can be a great way to show your loved ones that you care.
One way to give money as a gift is in a brainteaser box. This fun idea turns giving money into a game, and your friends and family will love trying to figure out how to open it.
However, before you can enjoy the benefits of being on the giving or receiving end of money, you need to have realistic expectations.
Money doesn’t buy happiness, and expecting too much from your loved ones can lead to disappointment.
If you’re feeling brave, why not ask for money this Christmas? It’s always better than expecting something expensive from your loved ones. Here are great money gift ideas.
3. Digital Photo Album
One of the favorite features on my phone is when random picture memories pop up! It makes my heart sing!
If you want a unique gift that will always have these happy photo moments, consider a digital photo album.
This is a great way to store and organize all of your photos in one place, and it’s also easy to share with friends and family.
There are many different options when it comes to digital photo albums, so you can find one that fits your needs. For example, if they like to travel a lot, you might want to choose an album that includes GPS tracking so they can always know where their photos were taken. Or if they’re into scrapbooking, find an album that allows them to add text and other elements to their photos.
Whatever option you choose, make sure the digital photo album is easy for your loved ones to use. The last thing you want is for them to be frustrated with trying to navigate through all of their photos!
4. Shiatsu Massage Chair Pad With Heat Function
If you’re looking for a massage chair pad that will help alleviate muscle soreness, easy neck stiffness, and eliminate fatigue, the Shiatsu Massage Chair Pad With Heat Function is an excellent choice. This product comes with a rolling and spot massage, providing a comfortable, soothing feel to muscles. Plus, it’s an excellent alternative to a full-body massage chair if space and cost are constraints.
The Shiatsu Massage Chair Pad With Heat Function is made with a washable and reusable fabric. It also has anti-slip feet on the bottom to stay in place. The heat function can be turned off if desired, or there’s a timer that will automatically shut it off after 10 minutes of use. You can buy this product on Amazon and way cheaper than a full massage chair.
5. Indoor Smart Herb Garden
If you’re looking for a unique and special gift for the gardener in your life, look no further than an AeroGarden In-Home Garden System. This garden kit takes care of itself and can be placed anywhere in the house–no green thumb required!
The Smart Herb Garden is a great way to get started with gardening, and it’s also perfect for anyone who wants to add scent and beauty to their home or apartment.
You can purchase additional seed pod kits as well.
6. LiLash Purified Eyelash Serum
If you’re looking for the best beauty splurge, look no further than LiLash Purified Eyelash Serum.
Their eyelash serums are made with natural vitamins and minerals to give you noticeable results in just 6 weeks, and full results in 12 weeks!
LiLash is a purified eyelash serum that is vegan, gluten-free, non-toxic, and cruelty-free. It has over a million users and a 90-day satisfaction guarantee. They’re also easy-to-use and fit right into your daily routine.
I want to splurge on this eyelash serum to lengthen and thicken my lashes!!
7. Shower Bluetooth Speaker
Do you hate having to stop your music or podcast when you go in the shower? If so, I have the perfect solution for you!
A shower speaker is a small, water-resistant speaker that can be used in the shower, by the pool, or anywhere else near water. They are often Bluetooth-enabled so that they can be connected to a phone or other device for streaming music.
The Oontz shower speaker is waterproof, shockproof, and dustproof. That means you can take it with you wherever you go without having to worry about it getting wet or damaged.
The battery lasts forever on a single charge, so you can use it all day long if you need to. And if that’s not enough, there are a lot of popular Bluetooth speakers on the market, but this is the one I personally have. So no matter what kind of music or podcast lover you are, there’s sure to be a speaker that’s perfect for you.
So check them out today and get ready to rock out in the shower!
8. Everyday Hammock Chair
If you’re looking for the perfect gift for the person who wants to slip away and relax, look no further than a hammock! This high-quality hammock chair is made of oak wood and is personalized with the user’s name on it. It’s also a great gift for any occasion!
While many think hammocks are for camping or for hikers to relax after a long day of trekking through the wilderness, they are perfect for ANYONE who needs an escape to quiet. And what could be better than getting to relax in your very own personalized hammock?
Hammocks make a great gift for any occasion, but it’s especially perfect for Christmas.
9. Breville, the Barista Express, Espresso Machine & Specialty Coffee at Home
The Breville Barista Express is a high-quality espresso machine that is perfect for the at-home coffee lover.
The machine is compact and easy to use, making it a one-stop shop for quality espresso.
The Barista Express also delivers fresh, quality espresso in under a minute, so you can get your caffeine fix quickly. Getting authentic café style results in no time at all.
10. Instant Pot Duo Crisp Large 11-in-1 Air Fryer & Electric Pressure Cooker Combo
Instant Pot has come out with a new product that is sure to be a hit every holiday season. The Duo Crisp Large 11-in-1 Air Fryer & Electric Pressure Cooker Combo.
This is something I always wanted, but never wanted to research which one is best. So, my mom bought this one for me. I absolutely love it! And we use it multiple times per week.
This product is a pressure cooker and air fryer combo with 2 convenient removable lids. This means that you can air fry your food in one multi-cooker and easily transition between pressure cooking and slow cooking.
11. Himalayan Rock Salt Lamp
Salt lamps have been popular in western nations for a while now, and for good reason. They offer a number of benefits to those who have them in their home. improved energy, better sleep quality, and purified air are just a few of the advantages you can enjoy from having a Himalayan Rock Salt Lamp.
People who have salt lamps often report multiple benefits from having them in their homes. Some people find that they help improve their moods, while others appreciate the added beauty that the circular design brings to their décor. And unlike traditional lamps, these Himalayan salt lamps are flicker-free, meaning you can read or relax near them without being disturbed by any light flickering.
We have a Himalayan Rock Salt Lamp in each of our bedrooms.
If you’re looking for a unique and beneficial gift this holiday season, consider gifting someone a Himalayan Rock Salt Lamp.
12. Spa Gift Set For Women
When it comes to finding the perfect gift for a woman, sometimes it can be tough to think outside the box. But don’t worry, we’ve got you covered! This year, consider a spa gift set. Women love to relax and pamper themselves, and what better way to do that than with a luxurious set of spa products?
Hint…hint… a spa gift set is always a great option!
No matter what type of woman you’re shopping for, there’s sure to be a spa gift set that’s perfect for her. Whether she loves spending time at the spa or just enjoys pampering herself at home, she’ll love these luxurious gifts.
So if you’re stuck for ideas this Christmas, why not go with something she’ll really appreciate – time to relax and be pampered?
13. Stress Reliever Ball
Do you find yourself feeling stressed out often? If so, we have the perfect solution for you!
This Serenilite Stress Reliever Ball is perfect for relieving some tension during the workday. It’s a fun addition to your desk or party, with the goal of bringing relaxation into your life when you need it most.
Each ball is made with three densities – soft, medium, and hard. Perfect for strengthening your grip, joints, and muscles.
14. Gemstone Birthstone Necklace
Photo Courtesy of Jill Makes
This necklace is a beautiful piece that would make the perfect gift for any occasion. It comes with one pendant and is made of high-quality materials. The pendant measures approximately 13 millimeters in height and is sure to impress.
This minimalist-style gemstone birthstone necklace is perfect for anyone who wants a unique and personalized piece of jewelry. The pendants are engraved and sealed with the month of your choice, making it a special and one-of-a-kind gift.
Who doesn’t want a personalized item for Christmas?!?!
15. Deep Tissue Muscle Treatment Portable Handheld Massage Gun
This handheld massage gun is perfect for those who need deep tissue muscle treatment. It comes with several adjustable speeds to help tense muscles, relieve pain, and increase blood flow. The Shiatsu massage is an added bonus that helps make this gun a great choice for anyone looking for relief from muscle pain.
This device is a great option for those who are on a budget or live in small spaces. The rolling and spot massage work on the back, but this device can be used anywhere on the body.
16. Traeger Wood Pellet Grill
A Traeger wood pellet grill is a great gift for the holidays because the user can control it from anywhere with WiFi and Alexa technology. The grill also has a built-in meat probe, so the user can cook to perfection every time.
They are known for their 6-in 1 versatility, which allows you to use it as a grill, a smoker, a bake oven, a roast oven, a braise pot, and even a BBQ pit.
Traeger is the original creator of the wood-pellet grill. Who says mama can’t smoke meat too?
17. Fitbit Versa 2
The Fitbit Versa 2 is the latest and greatest addition to the Fitbit family.
This smartwatch has all the features you need to help you stay on track. You can create alarms, set reminders, check the weather or start an exercise with Alexa. Plus, it comes in a variety of colors to fit your style.
This smartwatch has an always-on display mode and Fitbit Pay, so you can easily check your pace and distance during a run or pay for something without having to take your wallet out. It also has built-in GPS, so you can track your progress on runs or hikes. Plus, the battery life varies with use, so it’s perfect for people who want a watch that does it all.
So overall, the Fitbit Versa 2 is exactly what you want for Christmas!
18. Robot Vacuum Cleaner
If you’re looking for an easy way to keep your floors clean, a robot vacuum cleaner may be the perfect solution. It was for me!!
Robot vacuums are automatic vacuum cleaners that do not need cleaning themselves and can be charged automatically. They come in a variety of shapes and sizes, with multiple cleaning modes and auto-clean scheduling.
Some of the more popular brands include iRobot, eufy, and Shark. While there are many robot vacuums on the market, each has its own unique features that set it apart from the competition. For example, some models are designed for pet owners or have special attachments for dealing with tougher messes.
When shopping for a robot vacuum cleaner, it’s important to consider your specific needs and budget. Many models are available online, so be sure to do your research before making a purchase. Less time cleaning is a win for you!
19. Kindle Paperwhite
If you’re looking for an e-reader this holiday season, the Kindle Paperwhite is a great option.
It’s easy to hold and use, and you can read in the sunlight without any screen glare. The Kindle Paperwhite also comes in a size similar to a regular novel, which makes it more comfortable than an ordinary book for readers of all ages. Plus, the Kindle e-Reader can hold thousands of books, and the battery lasts for weeks. And with the Kindle Unlimited, users can read as many books as they like from the store.
The Kindle Paperwhite is a popular option for those looking for an e-reader, and it’s great sale price — less than other options on the market. So if you’re looking for a great gift that your loved ones will actually use, be sure to consider the Kindle Paperwhite!
20. Memory Jars
Photo Courtesy of Meraki Designs by Lisa
Memory jars are a great way to capture memories and moments from your life. They can be filled with photos, tickets, mementos, or any other item that holds sentimental value to you. You can create a memory jar for any occasion-a birthday, graduation, wedding, or just because.
To make a memory jar, start by gathering your supplies. You’ll need a jar (or container) of some sort, Mod Podge or another sealant, paintbrush(es), photos or other items to decorate the jar with and scissors. Once you have your supplies ready, it’s time to start creating! Or you can buy straight from Etsy!
Just be sure to include the year so you can look back on your memories later!
21. Desktop Stand for Printer
This desktop stand is perfect for your printer and a great way to save space in your office!
The stand is stable and sturdy, making it perfect for stacking printers, fax machines, scanners, and other office equipment. The height-adjustable skid pads protect your table and floor from scratches or scuffs, making it easy to clean.
Pretty solution for your cluttered desk!
22. Outdoor String Lights
Outdoor string lights are a must for the holidays. They add a touch of festivity and cheer to any setting. I highly recommend these weatherproof string lights. They are beautiful, durable, and long-lasting.
This is more of the ambiance you have wanted on your patio, right? Each set is 25 ft, 50 ft or 100 ft in length.
Perfect to decorate your outdoor space!
23. Rain Shower Head
This rain shower head is a great upgrade from an old, rusty shower head. It provides good water pressure and is easy to install.
As for the shower head set, it comes with an 8′ large square rainfall showerhead, a high pressure handheld shower head, and a filter. The 8′ large square rainfall showerhead has a 360 rotation angle-adjustable solid ball joint nut for reliable leak-free connection and different angle position showers needs. The 5 setting handheld shower head is suitable for baby shower, massage or pets shower, etc.
Time for a quiet shower with your newly installed rain shower head and your Bluetooth speaker!
24. Collapsible Folding Tailgating Table
If you’re looking for the best gift for a tailgater, look no further than a collapsible folding tailgating table!
This gift is perfect for someone who needs to set up multiple tables in short periods of time. Plus, it’s very easy to transport and store – perfect for when you need to take your gear on the go!
Also perfect for the sports family who is always on the go and setting up meals in the parking lot of a sports complex.
25. UV Smartphone Sanitizer
The smartphone Sanitizer is a device used to clean your phone of germs and bacteria. It can be used for things like jewelry or even keyboards.
The sanitizer kills 99% of germs in 5-10 minutes and comes with a charger! This portable charger is affordable, easy to carry, and may be the answer to what I want for Christmas.
No more germs around the things you touch the most. Get your UV sanitizer for your home.
26. A Vitamix because you deserve it
A Vitamix blender is a great gift for anyone who loves to cook and wants to eat healthier. They are known for their high-quality construction, durability, and powerful motors that can blend even the toughest ingredients.
The variable speed control allows you to customize your blending experience, while the large batches make it perfect for preparing food for a crowd.
It has a 7- year full warranty, meaning that it will be covered for any damage or defects for the first seven years after purchase. I can attest they stand by this because my motor was replaced and it runs like new!
Best Christmas gift to myself – my Vitamix!
27. MICHLEY Unbreakable Wine Glasses
If you’re looking for a great gift for clumsy drinkers, look no further than the MICHLEY Unbreakable Wine Glasses!
These glasses are made of durable plastic and can withstand even the most strenuous of drinking sessions. Whether your loved one is an occasional drinker or not, these glasses will make sure their wine never ends up on the floor again. So why not give them the gift of unbreakable wine glasses this Christmas?
28. Bathtub Caddy with Gold Handles
This bathtub caddy is handmade and made to order.
You can choose from 20 different color options, and the board is made of knotty pine planks.
Imagine relaxing after a stressful day! Great for setting drinks, food, books, etc. Wouldn’t this be a perfect addition to your bathroom?
29. Subscription Gift Sets for Women
There are many different sets to choose from, so you’re sure to find one that fits the woman’s personality.
If she’s into fashion, consider buying her a set that includes designer handbags, jewelry, clothes, or tickets to a show. Or if she’s more of a homebody, go for a set that includes candles, bath salts, and other relaxation items.
No matter what set you choose, the woman is sure to appreciate your thoughtfulness. So why not surprise her with a gift set this Christmas? She’ll love you for it!
30. Yoga Leggings
Looking for a comfortable and stylish pair of leggings to wear this holiday season?
Look no further than the Healthyoga Yoga Pants! Made with a breathable and soft fabric, as well as a high-waisted fit, these leggings are perfect for people who work out or just want to feel comfortable during the holiday season. Plus, they come in several colors and patterns, including one that features beautiful butterflies.
Please don’t tell anyone how many pairs I already own; yet, I still want more!
What’s more, these leggings are perfect for people who like to take their workouts outdoors. They do not ride up when in the squat position, and they also have a handy pocket that is the perfect place to store essentials like your ID, phone, or keys. So don’t wait any longer–order your yoga pants today!
What Christmas Gifts Do I Want?
Christmas is a time where we all get together with our loved ones and exchange gifts.
It’s always a lot of fun to see what everyone gets, but sometimes it can be difficult to come up with ideas for what to put on your wish list.
If you’re struggling to come up with some ideas, don’t worry we included plenty of gift ideas to help you out!
What to consider when buying a gift for someone?
When buying a gift for someone, it is important to consider their interests and what will make them happy. It is also important to think about the occasion and what type of gift will be appropriate. If you are not sure what to get someone, it is always a good idea to ask them what they would like.
Another option is to give a handmade gift. This could be anything from a cake or cookies to jewelry or a scarf. The advantage of this type of present is that it’s personal and made by you, which makes it extra special.
Finally, if you’re still stuck for ideas, why not give a gift card? This gives the person receiving the present the freedom to choose something they really want. It also means you don’t have to worry about getting the wrong thing!
When buying someone a Christmas gift, it’s important to put some thought into it and make sure it’s something they’ll really like.
what do u want for christmas
That’s the question on everyone’s mind this time of year. And most of us are too afraid to articulate. Maybe you are hoping for a new outfit. Or maybe you’re hoping for something a little more luxurious, like a trip to Europe.
First, you need to be open and honest about what you want for Christmas.
We all want… Santa to come bearing gifts!
Now, Share What Do I Want For Christmas
I have you covered. Share this post with family and friends with numbers of which gifts were intriguing to you.
That takes the awkward conversation of gifts during the holidays.
Christmas is about love, joy, and giving gifts – not about getting the most expensive thing on the wish list.
But, here are the must-have items we heard loud and clear when asking around about what do I want for Christmas.
This will guarantee success this Christmas season and beyond!
Even better, you can order online from the comfort of your own home! Right now!
Also, this article has something for everyone and is perfect for any occasion. Whether you’re looking for a gift for Christmas, Hanukkah, Valentine’s Day, Mother’s Day, Father’s Day, or just because!
Know someone else that needs this, too? Then, please share!!
I wanted to title this post, “Can you be The Interestings,” with my writer’s craft book group (we discuss books based on writing analytics rather than whether characters and stories are likable). The book’s main character is just ordinary, with an ordinary job and ordinary talents. But Jules has some extraordinary (“interesting”) friends, friends that she met long ago at a summer camp for the arts.
Because Jules hasn’t pursued her art as a career, and she probably wouldn’t have made a ton of money at it in any case, she often finds herself terribly envious of her friends that have; notably, her friends whose talents have made them a huge financial success. (The male half of the couple seems to be loosely modeled off Matt Groening; his animated series quickly becomes huge and he’s rich within months of winning a network deal.)
In one particularly ugly scene, the main character bemoans their recent transformation from regular struggling artists to fabulously wealthy, comparing her own pleasure at the great deal at the kebab place (“it comes with free salad AND flat bread!”) to their never, ever again needing to worry about such things. To how easy it is for them to pick up the check and how ridiculous it is for her to do so. How she can’t see them the same way any more and surely! Her friends will look down from their Tower of Rich and shake their heads at their poor friend, still walking up stairs in her apartment, still picking up her own dry cleaning. Her husband sympathizes for a while, but loses his temper at one point, saying something along the lines of, “we’re not boring people just because we’re not rich! Do you hate being married to ordinary me? Get a grip!”
Jules may be more extreme in her statements than most of us, but we probably all feel like that sometimes.
I have a few friends who, in the course of our relationship, have gone from ordinary middle-income to bona-fide rich. One of my dearest friends’ husbands sold his little company to a huge corporation. My brother, who has worked for Intel most of his adulthood, has been doing very well. He bought a new house a few months ago and when I visited, I was shocked to find it was kind of mansion-y. Another friend I met at a writing conference, I discovered after I’d been chatting for hours, had enough money to be an angel investor in independent films. The sort of conversations that start out, “I’ve been working on this novel,” (happens all the time in my life) and end, “I’ve been thinking of buying the movie rights to this famous author’s novel.” (Never happens.)
I found myself, like Jules, sometimes re-evaluating ordinary money conversations after I’d had them.
My friend who’d gone from middle-income to rich was used to hearing about my money woes. Not that I’d complain all the time, but I’d remark on how my husband and I were arguing over money, or say I couldn’t afford to go out to coffee, or worry about a freelance check that was overdue and oh my goodness I was broke until then. Now I’d start into those conversations and at some point remember that she could sympathize but not relate, any more.
My friend is a good enough friend that I know she still does sympathize, and luckily things have been better for me, finance-wise, in the past year so I rarely have the situation where I have to say “no” due to finances. She’s not the sort given to social extravagances, anyway; when we go out, it is to plays, coffee shops or small cafes where we order small meals. We’re absolutely OK.
But what about rich people in your family? Can you still relate to them?
I found my brother’s case a good lens through which to look at this rich/middling dichotomy. His young adulthood was challenging and, when he was a new dad, I know he did struggle with money a lot. I know there were arguments in his first you’ve blown your food budget for two weeks. Your friend gets you a very expensive gift for your birthday and then complains to you about how a third friend gave her something handmade — which was your best idea for a suitable gift in return.
Sometimes friendships can’t work out with such out-sized differences. But it’s likely those friendships were too shaky anyway; maybe even based on the wrong things. If friendships are based on your personal relationship and not your relationship to things, places, and entertainment, you can weather the wealth of a friend.
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Christmas is a time filled with joy and wonder. It’s the best season of the year to celebrate all that life has given us.
I wanted to share 93 things you can do on Christmas Day, from spending quality time with your family over a cozy fire in your fireplace or at an outdoor party, playing games around the house (even if it means taking turns), making food for others during holiday celebrations, going outside for walks during snowfall so we stay active and healthy this winter, and even taking a day off from work to do something relaxing.
Are you looking for a list of activities to do on Christmas Day that is fun?
Don’t worry, I got your back. Here is my list of over 90 ideas so you can spend the day with friends and family in style!
To be honest, this is my list of favorite things to do on Christmas Day.
If you need ideas, then start here…
What to do on Christmas day?
There are a variety of things you can do on Christmas day to make the most of the holiday.
You have to decide how you want to spend the day.
We will cover ideas with family, in the kitchen, with kids, at home, and just for you!
Quick Christmas Things to Do
You could help your loved ones decorate the yard with some inflatables– there are plenty of options available, from classic characters like Santa and snowmen to silly options like dinosaurs and unicorns.
If you’re feeling adventurous, you could even head out for a hike in the morning- nothing beats fresh air and stunning views in winter.
Once you’ve worked up an appetite, why not prepare a festive feast? There are plenty of recipes online that will let you show off your culinary skills. Or if cooking isn’t really your fancy, take advantage of convenient delivery services and enjoy Christmas dinner without having to lift a finger.
Once everyone’s bellies are full, it’s time for some fun (or a nap)!
Get the family together for some party Christmas games or put on a movie marathon. Whatever you choose to do, make sure to savor every moment spent with your loved ones- after all, Christmas only comes once a year!
What are some traditions people have on Christmas day?
There are many different family Christmas traditions that people partake in.
Some common traditions include:
Counting down to Christmas
Doing crafts on December 25th
Exchanging gifts.
These traditions are often passed down from generation to generation and are a lot of fun for both children and adults.
Another popular tradition is saying “Merry Christmas” to one another. This usually happens when family members gather together to celebrate the holiday.
Families come from all over to spend time with each other on Christmas day, and the joyous atmosphere is something that can’t be replicated any other time of year.
What do people typically eat on Christmas day?
Christmas is a time when many people come together to celebrate. While the exact traditions may vary, there are some acts that remain the same. For example, many people will eat turkey, mashed potatoes, and cookies on Christmas day (source).
If you’re looking to give back to your local community this Christmas, consider donating to your local food bank. Many food banks are able to help those in need during the holiday season and beyond.
Things to Do on Christmas Day with Family
Every year in December, the holiday season brings a rush of family time.
Christmas is a day that you can spend with your family, and there are plenty of things for the whole family to enjoy on this special day.
Here are some activities to enjoy with your loved ones on Christmas Day that you might not have thought about:
1. Spend time with family and friends. This is probably the best part of Christmas day! Enjoying good company is what makes this holiday special.
2. Karaoke Time. If you have a talent (or not) for singing, take turns with your family and friends by caroling the Christmas classics..
3. Watch Christmas Movies. Pick one of the many Christmas-themed movies that are on TV or streaming online to get into the spirit of Christmas. Watch classic holiday films like “It’s a Wonderful Life” or “A Christmas Story.”
4. Game Night. There are a lot of fun and interactive ways to keep you entertained this holiday season, including board games and card games! Start a family competition with bragging rights for the whole year!
5. Eat Christmas Snacks. What is Christmas without the traditional treats? Enjoy some of your favorite holiday foods, like cookies and candy canes.
6. Christmas crafts. There are a lot of fun DIY projects you could do this year to celebrate the holiday season, like making decorations or ornaments.
7. Host a Christmas party. If you’re hosting a Christmas party this year, make sure to get into the spirit of the holiday event by decorating your house and putting up a Christmas tree!
8. Refine Your Christmas traditions. There are some fun family traditions you can do this year, like baking cookies or watching classic holiday movies. Pick a handful of activities you want to do each year.
9. Prepare Christmas dinner. The Christmas meal is a big part of the holiday tradition, and there are lots of different foods you can make for your family this year — from ham and turkey to yummy desserts!
10. Make cookies. If you want to make Christmas cookies, now is the time to start thinking about what kind of treats you’d like to make. You can use a recipe, or you can make up your own recipe.
11. Video Chat with Your Family. Time to say hello to your family that you don’t get to see in person. Get on Zoom, Whatsapp, or Facetime with your family, even if they’re not in the same country.
12. Have a Family Meeting. What are some matters you can do as a family to help you focus on the true meaning of Christmas? Write them down and discuss how you can incorporate these into your holiday.
13. Puzzle. At my aunt’s house, there was always a puzzle on the table. Family members would stop and put a puzzle piece together while chatting and laughing.
14. Stream the Nutcracker Performance. Do you have a favorite performance of The Nutcracker? Be sure to watch it on Christmas day, even if it’s just for an hour or so.
15. Make Gingerbread Cookies. If you want to do something really special for someone, try making gingerbread cookies! Bake up a batch of gingerbread cookies with your family.
16. Craft a Gingerbread House. Cut out gingerbread men, stars, and snowflakes from construction paper or cardstock, then use them to decorate a gingerbread house. You don’t have to use the traditional kit with frosting.
17. Listen to Christmas Music. There’s nothing like listening to some holiday music while you’re baking cookies or hanging out with family and friends on Christmas Day.
18. Play the Game “Secret Santa.” If you’re hosting a holiday party this year, why not play the game “Secret Santa”? Everyone brings an inexpensive gift to the party, and then one person is chosen to be Secret Santa. Everyone draws a number, and the person with #1 picks out a gift from Secret Santa’s pile to open. Then everyone else has to figure out who their Secret Santa is by guessing which person brought them their gift.
19. Ugly Sweater Contest. You might even want to combine it with a white elephant gift exchange!
20. Christmas Scavenger Hunt Game. This is a fun activity for the whole family. Have each person do some research about Christmas traditions from around the world, and then come up with an item to bring back that symbolizes one of those countries. Or press the easy button and pick a ready-to-go Christmas scavenger hunt game.
More Things to Do on Christmas Day at Home
Christmas is a time for family get-togethers and relaxing with loved ones. Whether you celebrate Christmas or not, it’s still a fun day to have some activities that are holiday-oriented.
As the saying goes, “The home is where the heart is.” Here is a list of more fun things to do on Christmas Day at home.
21. Read a Christmas book. Pick up JK Rowling’s latest, The Christmas Pig.
22. Write Letters to Open on Milestone Christmases. Write a letter to your future self on Christmas day, putting any sort of advice you give to yourself as well as predictions you have. Pick milestone years. For example, when you celebrate Christmas with your baby, when your kids leave for college, or even the first Christmas without a parent.
23. Create a “Christmas Bucket List.” What are some undertakings that you want to experience in your life? Create lists for everything. For example, family trips in which everyone gets to pick the destination, a Christmas wedding, or even watching your children give their first speech.
24. Eat Christmas Cookies. Bake some sugar cookies and spread a bunch of frosting over them to make them look like Christmas trees.
25. Christmas Movie Marathon. Watch all of the Christmas movies!
26. Listen to Christmas songs. You could listen to some of your favorite Christmas songs while hanging out with friends and family. you’re decorating the tree or wrapping presents.
27. Shop Online for What You Didn’t Get. Buying a gift for your future self is a bit of an existential dilemma: what do you want to have? Truly people didn’t listen to what do I want from Christmas.
28. Send Christmas cards. If you’re going to be sending out Christmas cards this year, now is the time to start thinking about who you want to send them to! Better late than never!
29. Host a Party. Plan an open house for Christmas, and invite friends and neighbors to enjoy food, games, and gifts together.
30. Book Reservations. Those experience gift ideas need to be booked and put on the calendar.
Things to Do on Christmas Day In the Kitchen & Food to Eat
As Christmas Day approaches, now is a great time of the year to start planning what you plan to eat, make and bake in the kitchen. Whether you like cooking or not, there is something for everyone on this list from the kitchen to the backyard.
The Christmas season is a time to celebrate with family and friends. And food brings people together.
So, here are some fun activities you can bake on Christmas Day:
31. Make Christmas Star Bread. This is one of the traditions in our house. Please note, that you need to start this a day in advance. Here is our favorite Christmas star bread recipe.
32. Christmas Morning Brunch. This is a Sunday tradition in our house, but for Christmas, we have the favorite egg casserole prepared in advance for no work needed during opening gift time! Always cooked and ready to be enjoyed once everyone is done opening presents.
33. Bake and Decorate Christmas Cookies. My friend, Haley, over at If You Give a Blonde a Kitchen, always has great cookie ideas. And they are delicious!!
34. Cook a Fancy Meal. Let’s be honest… You more than likely don’t have the extra time to spend time in the kitchen and try a new recipe you have been wanting to try! Christmas is the perfect day to spend time cooking to your heart’s content.
35. Plan a Themed Christmas Dinner. Say bye-bye to classic turkey, ham, and beef! Each year choose a new theme for dinner. Here are some of our favorite themed ideas: Italian, Mexican, Indian, Chinese, Mediterranean, or Costa Rican Casado. Even football favorite appetizers! Every seven years there is guaranteed to be football on.
36. Mix a Christmas Cocktail. Enjoy being by a nice fire and enjoy watching the snowflakes fall. It sounds perfect, right?
37. S’mores by the Fire. Who says, campfires and summer are the only time for smores. Grab the sweet supplies, jackets, and blankets, and nestle around a firepit.
38. Serve Cake for Dinner. Serve your family a big slice of cake for dinner instead of turkey or ham. Can you see their faces of amazement!?!?
39. Make a Christmas Tree Out of Fruit and Vegetables. This is a fun activity for kids of all ages.
40. Cook Frozen Pizza. This doesn’t happen often, but it is always well received by my crowd. Pizza for the win!
Things to Do on Christmas Day with Kids
Christmas Day is a time for family, and often children are the ones who make it so memorable.
To help you find something fun to do with your children on Christmas day we have compiled an extensive list of activities that you and the kids can do together.
41. Open Christmas Gifts. Yes, this is what kids look forward to the most each Christmas. In fact, here are $10 gifts approved by my own kids.
42. Play in the snow. Throw a snowball, build a snowman, or make snow angels. Kids NEED to get outside and burn off their energy.
43. Play hide-n-seek outside. No snow? Don’t worry. Start a game of hide-n-seek outside. The last one to be found picks the next activity.
44. Candy Cane Hunt. First of all, you need a lot of candy canes and some good hiding places. Make sure you count all of the candy canes before to make sure you find them all!
45. Make Christmas Tree Ornaments. This project is perfect for the kids in your life! I love how easy they are to make and that they can be decorated however you choose.
46. Decorate Windows with Paper Snowflakes. This is one of the best activities for kids to improve their motor skills. How many can you make? And what size snowflakes? This is a great project for kids! They can make them any size they want and hang them on the tree or around the house.
47. Visit Local Attractions. Every city may have something cool on Christmas Day that is open. Check out Living on the Cheap for your closest city for local attractions.
48. Art4Kidz Hub. Seriously, they have some of the best videos on how to draw! Hours of entertainment. Plus their artwork can turn into thank you cards!
49. Make Kid Christmas crafts. This is a fun way to do something different from presents. Spend quality time making various crafts. Just make sure to buy the craft supplies in advance!
50. Play kid-approved board games. Time for a family game night or afternoon. Invite friends and family over for a game of Uno, Connect Four, or Apples to Apples! Even Scrabble or Monopoly- so many fun options!
List of Crafty Things to Do on Christmas Day
Christmas is one of the most exciting and fun holidays to be a part of. But everyone loves it when they get something in return for all their hard work, right?
So, spend the day doing the craft projects you always want to do!
Here are some great ways to give your friends and family something special.
51. Photo Book. Photo Books are a great way to preserve memories for special occasions. Plus, they can be shared with other people so everyone is able to see the good times! You can create a printable photo book or a digital photo book.
52. Make Christmas Ornaments. Christmas is the best time of year to wear new ornaments! You can make some really fun and unique ornaments using recycled materials, like bottle caps.
53. Make Christmas Headbands. These are so adorable for little kids and adults alike! They can be made in any colors you choose.
54. Decorate Homemade Gift Bags. Gift bags are a great way to personalize your gifts and make them look extra special!
55. Make A Holiday Recipe Book. Create a recipe book for all of your holiday dinner favorites. You can include the recipes for stuffing, mashed potatoes, green beans, and any other dishes that you love to cook during the holidays. Here is the digital recipe book organizer I use.
56. Create a Card Christmas Tree. Arrange photos and Christmas cards to make a Christmas tree on the wall. Even wrapping paper can be reused to “build” your tree.
57. Make New Year’s Cards. Seriously, it is SO stressful trying to get Christmas cards out in advance. So, let’s start sending New Year’s cards instead.
58. Make a Christmas Tree skirt. This one has been on my list forever. So, I decided to dedicate time on Christmas to finally complete my project.
59. Put Together A Memory Box. This is easy, but thoughtful idea that you can give as a gift to your family. You can fill the box with photos, recipes, and other special items that you have collected over time.
60. Make Salt Dough Ornaments. This is a fun and easy project. I love how they look on the tree, too!
Outdoor City Attractions to Do on Christmas Day
Open the door and enjoy the weather. Whether you go for a walk, play in the snow, or go for a drive, getting some fresh air is always a good idea.
On Christmas Day, many attractions and businesses are closed. So, opt for open parks and space for your wintery fun!
You can even pair the outing with these National Park gifts.
Snow is here, but it doesn’t have to be all about snow. Take advantage of the winter weather and get outside for some fun activities!
61. Run a Christmas 5k. Running has become a prominent form of health and fitness activity in recent years. Have fun during a fast-paced run (or walk) by taking on a Christmas 5k. Challenge your friends and family to join you!
62. Take an ice-skating lesson. If you’ve never tried ice skating before, this is a great way to dip your toes in.
63. Go sledding! You may not have the equipment for traditional snow tubing, but taking a trip down a hill is just as much fun.
64. Go ice fishing! If you don’t want to go too far, make your own pond in the backyard.
65. Play in the snow. This can lead to hours of fun! Don’t dread the snow because you have to shovel it. Think of ways to build a snow fort, throw snowballs or just play around.
66. Play tennis, golf, or pickleball. Not every year will there be snow on the ground. On those sunny days, pick up your racket or golf clubs and get a game or two in.
67. Go cross-country skiing. Time to get some exercise and burn calories. Cross-country skiing is a great way to get outside and hit your fitness goals.
68. Watch a movie in the snow. How fun does that sound? Thanks to technology you can snuggle up while watching a Christmas classic. Make sure to buy a projector ahead of time!
69. Ride roller coasters. Sounds thrilling, right?!?! But check to see if they are open first.
70. Drive Around to See Christmas Lights. A simple and classic activity to do on Christmas day. Go around and find the best light display!
Things to Do on Christmas Day to Refresh Your Soul
Do you often get bored of the same old ideas on Christmas Day? The answer to that question is probably a resounding “yes” if your answer has been anything like mine.
Here is a compiled list of relaxing Christmas Day activities for people who are looking to enjoy their day while rejuvenating their souls.
71. Relax and take it easy. There’s no need to stress out about anything – just relax and enjoy yourself!
72. Enjoy a LuxuriousHotBath. Time to destress from the hustle and bustle of the season. Grab some must-have bath essentials to make your experience more spa-like.
73. Treat Yourself. What is one intention you’ve always wanted to do? Buy it for yourself or give yourself the gift of time and allow yourself to enjoy that experience.
74. Escape on a Christmas Vacation. Do you always want to try something new for Christmas? Let’s make this year the best one yet and plan that special Christmas trip!
75. Take a walk in nature. Enjoy the sun and soak up some Vitamin D!
76. At Home Manicure/Pedicure Experience. While it’s not the same as being pampered in the salon, there are many at-home manicure and pedicure sets, that you can use all year round.
77. Personalized Playlist. Spend time finding new songs that revitalize your mind.
78. Stay in Christmas Pajamas. Even better plan matching PJs for the whole family!
79. Spend time cuddling on the couch. A dream come true for a busy mom or dad!
80. Make a List. Make a list of activities to do or places to go that are not centered around Christmas. Focus on items that you are grateful or blessed to have in your life. This will help you avoid the “Xmas” overload and keep you focused on what is really important.
81. Attend a Christmas Eve Service. What is one church in your area that you’ve never visited? Take the opportunity to attend a service on Christmas Eve.
Ways to Show Generosity on Christmas
Giving is always better than receiving.
Christmas is a time of giving, but it can be difficult to know how much you should give.
This doesn’t mean that Christmas has to be all about presents or expensive gifts for your loved ones, but you can still show your gratitude with small acts of kindness. Here are some ways to do that:
82. Volunteer at a Homeless Shelter. This is a great way to serve and be appreciative of what you have been blessed with. Find your nearest homeless shelter and volunteer to serve a meal, or help set up cots for a cold night. Maybe set fundraising parties to help gather monetary donations.
83. Take a Meal to Someone. Many people don’t want to cook on Christmas because they are by themselves or unable to spend hours in the kitchen anymore. Bless them with a cooked meal and your decorated Christmas cookies.
84. Write Thank You Notes. We all know this needs to be done. So, practice writing thank-yous before you start playing and using the gift you received.
85. St. Nick’s Giveaway Day. St Nicholas was known for giving out toys to all the children. Pay it forward by passing along toys, clothes, or other furnishings you don’t need anymore.
86. Be a Santa. Adopt a family for Christmas and provide gifts, food, or other items that they would enjoy.
87. Random Acts of Kindness. Write a list of ways you can bless people with random acts of kindness. Small actions go a long way toward making someone’s day, especially around the holidays.
88. Serve Others. Visit a nursing home or assisted living facility. Bring them cookies, sing Christmas carols with them, read to them and spend time with people who may not have the opportunity to see you on another day.
89. Pray for Others. What is one way to pray on this day that would make someone else’s life better?
Things to Do on Christmas Day for Adults
Christmas is an exciting time of the year, but it can also be a very stressful holiday due to work and family commitments.
There are many different activities that adults can enjoy on Christmas day.
90. Cook a Traditional Meal. One popular option is cooking a traditional Christmas meal. This can be a great way to learn about other cultures and traditions.
91. Ice Skating. There is no shortage of places to go ice skating on Christmas Day.
92. Ugly Sweater Time. Wearing an ugly sweater is always a festive tradition, and it can be especially fun on Christmas Day when everyone else is dressed up too. Just make sure you’re prepared for people to make fun of your outfit!
93. Be Alone. Some people prefer to spend Christmas day alone, either because they don’t have any family nearby or because they simply want some time to themselves. There are plenty of activities that can be done by oneself without requiring any specific skills or knowledge. For example, reading a good book, watching a movie, or taking a walk in the park are all enjoyable ways to spend the day.
Honestly, as an adult, you can choose any of the above activities that would be a perfect way to celebrate Christmas day.
What are some unique or interesting ways to celebrate Christmas day?
There are many unique ways to celebrate Christmas.
Honestly, it comes down to your preferred traditions. This is something you will find over the years about how you want to spend the day.
One popular way is to place an elf in your child’s bedroom to monitor their behavior! Another fun tradition is singing carols or skating on the ice. If you’re looking for something a bit more unique, consider driving down a festive pathway or reconnecting with old friends over dinner.
No matter how you choose to celebrate, make sure to enjoy yourself and have some fun!
More tips for making the most of Christmas day
Christmas is a time for family, friends, and fun.
Christmas day can be a lot of fun, but it’s important to make the most of it!
The best tips for making the most of Christmas day include spending time with your family and having a good time.
Here are some important tips to keep in mind when celebrating.
Tip #1 – Watch for Stressors
Make sure to take a break from the “seasonal grind” and forget to enjoy the holidays yourself.
Before Christmas day arrives, make a list of the stressors you tend to experience on this joyous holiday. Make a conscious decision to avoid the stressors as much as possible. If you cannot completely avoid one of them, then limit your time and plan for decompress time afterward.
Tip #2 – Spend Quality Time with Family
Christmas is a time of celebration and family gatherings.
However, you must make sure you are spending quality time with your loved ones can make the holiday much more enjoyable.
This may be easy or difficult depending on your family situation. Yes, spending time with your family and friends during the holidays is important- especially for kids! Just make sure you can look back and enjoy the day.
Tip #3 – Get Outdoors
On Christmas Day, go outside and enjoy all the fitness opportunities that a cold day has to offer.
Many people stay inside their buildings and homes for the holidays, but outdoor time is actually beneficial. The colder the weather, the better, because when your body is cold even a small outing helps release some of the heat that has been gathering in your body.
Getting outside will help you stay away from any possible triggers, too!
Tip #4 – Spend Less Money
It’s Christmas, the most wonderful time of the year.
Christmas is often a heavy financial burden for many individuals who are required to buy gifts and arrange an evening meal for loved ones.
All the extra expense can sap people of the energy and life they relish in the rest of the year, hence leading to depression which leads to a number of other health complications.
So, plan your Christmas budget ahead of time, so you can walk away happy.
Tip #5 – Remember the True Reason for Christmas
Christmas Day is one day of the year that is meant to be enjoyed and celebrated.
Yet, we tend to forget the true reason for the season – the birth of Jesus Christ.
While we are called to celebrate in community, keep the real reason at the center of your get-togethers with family and friends, and enjoy some of the traditional festivities.
What activities are open on Christmas day?
First of all, before you go, check online or call to see if the business is open.
Typically, you can find convenience stores, gas stations, movie theaters, and some restaurants open on Christmas.
Also, many local attractions may be open as they are focused on the activities they can provide.
Just be prepared for possible long wait times and always be sure to tip well.
Best Holiday Memories for the Season
Ultimately, those are the fun things to do on Christmas day are activities to experience.
Christmas is a time of joys and festivities, giving gifts to friends and family, and decorating your home with Christmas lights or greenery. But the best day always comes when it’s over!
Just remember…
Have Fun!
Remember that Christmas is a time to enjoy and celebrate the birth of Jesus Christ. It is not just about shopping, eating, and being with family.
Relax! Take a break from your hectic schedule and enjoy the priceless gifts you have been given.
Find More: 101 Fun Things To Do With No Money
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