Are you feeling pressure to spend? Baby showers, wedding gifts and office parties are just a few of the life events that require us to spend money. But if you’re on a tight budget finding enough cash to fund all those celebrations and gifts can be a challenge. You shouldn’t be forced to spend money. Avoid that feeling with these tips.
Be Honest: When friends and family members invite you to baby showers, birthday parties and weddings be honest about your financial situation. Rather than spending money you don’t have on a pricey gift, write them a heartfelt letter. Be honest about your financial situation and your loved ones will understand.
Offer What You Can: If your co-workers are collecting money for a gift or office party, and it doesn’t fit into your budget, offer to pitch in what you can. Take on other organizational or planning duties instead of pitching in financially.
Don’t Follow the Crowd: You may feel pressure to spend to keep up with those around you, but don’t let that pressure turn you into a follower. Just because everyone else is getting new gadgets or clothes doesn’t mean you have to.
Politely Decline: Get an invitation to a birthday party for someone you’re not that close with? Or perhaps a neighbor invited you to a product party where you know you’ll be asked to buy kitchen supplies or jewelry? Avoid the pressure to spend by politely declining the invitation.
Suggest Alternatives: If you’re asked to help plan a party and someone suggests going to a fancy restaurant, suggest an alternative. Why not host a picnic, potluck or game night? Everyone will still have fun and you won’t be forced to spend money that’s not in your budget.
Assume Responsibility: Your finances are your responsibility. The person pushing you to pitch in money for an office party or anniversary gift won’t be there to help you pay your bills so take control of your finances and just say no to the pressure to spend.
By Alison Storm
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