Two more tips....enjoy
Pay your life insurance annually. Insurance companies charge you more if you pay monthly, quarterly or semi-annually. Pay once a year and you’ll pay less.
Agree to limit gift giving. At Christmas and other special occasions many people go overboard when it comes to gift giving. Maybe they feel that by buying more gifts or spending lots of money, they show how much they love the other person. Perhaps some are trying to compensate for not spending as much time with their loved ones. Agree in advance to limit the gifts and save everybody some money. Alternatively, limit the number of people you buy gifts for by drawing names (especially if you have a large extended family). Believe me, others are probably thinking the same thing and you’ll be helping everyone by bringing up the idea.