We're sunsetting PodQuest on 2025-07-28. Thank you for your support!
Export Podcast Subscriptions
cover of episode Frugal Holiday Hacks: Budget-Friendly Gift Ideas That Actually Wow!

Frugal Holiday Hacks: Budget-Friendly Gift Ideas That Actually Wow!

2024/11/25
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky
AI Deep Dive AI Chapters Transcript
People
J
Jen Smith
J
Jill Sirianni
Topics
Jill Sirianni：与其关注能花多少钱，不如转变思维方式，思考如何用尽可能少的钱获得最想要的东西。通过专注于免费的体验、低成本但有意义的礼物，并精心挑选送礼对象，可以有效控制预算，甚至远低于预算。查看去年的消费记录，可以帮助我们反思哪些消费带来了满足感，哪些是可有可无的，以此作为今年预算的参考。我们不可能什么都重视，因此需要有所取舍，专注于真正重要的方面，例如聚会或精心挑选的礼物。 Jen Smith：与其送华而不实的礼物，不如写一封真诚的信表达心意，更能打动人心。非常推荐二手礼物或转赠礼物，尤其当你知道对方会更喜欢这份礼物时。推荐使用Poshmark和eBay等二手平台购买礼物，如果不知道对方喜欢什么，可以考虑写信。推荐自制实用性强的礼物，例如混合香料、调味油、鸡尾酒预调液等，这些日常消耗品比手工装饰品更实用。赠送植物也是不错的选择，可以分享植物背后的故事，让礼物更具意义。礼物的选择应该基于个人特长和爱好，例如擅长写作可以写信，擅长烘焙可以送自制糕点，让礼物更具个性。 Jill Sirianni：财务限制并非坏事，它可以激发创造力，帮助我们找到更经济实惠的庆祝方式。对于经历了飓风等灾害的人，比起物质上的帮助，更重要的是精神上的支持和陪伴，让他们感受到社区的温暖。如果因意外开支无法像往常一样过节，应该坦诚地告知亲友，并寻找其他方式保持联系，例如视频通话等。强烈不建议用信用卡支付节日礼物，除非你能在短期内还清。如果确实需要个人赠送礼物，可以考虑组织聚餐或其他团队活动，不必过于昂贵，重要的是团队成员间的互动和交流。可以根据自身职位和特长，为下属提供职业发展方面的帮助，例如推荐信等。如果想提升职业发展，可以将礼物视为一种投资，选择能够帮助建立人脉关系的礼物。

Deep Dive

Chapters
Transitioning from a "how much can I spend" to a "what can I get" mentality is key to staying under budget. Prioritize free or low-cost experiences and meaningful gifts over material goods. Use last year's spending as a guide to create a realistic budget for this year.
  • Focus on experiences and meaningful gifts.
  • Use last year's spending as a guide.

Shownotes Transcript

Are you marking your calendars for Black Friday and Cyber Monday? So are we. It looks like shoppers are expected to spend more than ever this year — around $1,700 a person according to Deloitte). 

We thought it would be fun to bring our pals Jill Sirianni and Jen Smith, cohosts of the Frugal Friends) podcast, and the new book: Buy What You Love Without Going Broke: Transform Your Spending and Get More of What Money Can’t Buy) back on the show to answer all of your shopping questions. 

CHAPTERS:

00:00 Holiday Spending Trends and Impulse Control

06:14 Meaningful and Frugal Gift Ideas

10:12 Navigating Unexpected Costs and Community Support

16:02 Credit Card Use and Financial Boundaries

TAKEAWAYS:

  • Consider using last year's spending as a guide for this year's budget.

  • Community support is crucial during unexpected financial hardships.

  • Creative limitations can lead to better problem-solving and gift-giving.

  • Don't rely on credit cards for holiday spending if you can't pay it off quickly.

  • Thoughtful gifts can include experiences or personal items rather than material goods.

Learn more about our Finance Fixx program here). Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com).

Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe)!

The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit* PlanEFE.com/HerMoney*).

*Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at** https://incogni.com/hermoney*).

Please contact* [email protected]*)* if you would like to advertise on our podcast, and to learn more about Airwave, head to** *)www.airwavemedia.com).

Learn more about your ad choices. Visit megaphone.fm/adchoices)