Organizing Your Spending

Yes, I am going to try and organize your spending. I know, I know I have gone over the line this time but if someone doesn’t cross it you maybe wondering how to organize your budget after the first of the year.

First of all, find all of your available balances on your credit cards and your interest rate. If you don’t have to use them great, but just in case, let’s try use the credit cards wisely. I would use the card with the lowest interest rate and leave the rest of your cards at home so it will be easier to calculate your holiday spending. This will help you from accidently grabbing the wrong card at the checkout. Not only with this protect your budget it will protect your wallet. Sometimes in the hustle and bustle of shopping for all those gifts we loose our wallet or worse yet it is stolen. Can you imagine trying to cancel ALL of your credit cards and losing your personal information?

Speaking of which if you have not already made copies of all of your credit cards front and back of the card (account number is on the front and the toll free number for the credit card company is on the back along with a three digit security code number). If you don’t have a copier PLEASE take the time to write all the information down. I promise this will give you peace of mind knowing you have all of your information at your finger tips and you don’t have to guess or scramble to find all the account numbers.

Quick reminder, don’t over organize your holiday receipts. Keep it simple…one envelope or shoe box…all receipts no matter who the gifts are for, including you and your husband. Just fold the receipt into an a tiny square if you think he might take a peak and smudge some lipstick on a corner to make sure it hasn’t been opened.

Happy shopping and I promise I am not trying to drive you crazy, I will save that until after the first of the year!

By Michelle Lehman with Organizing Solutions “Clear the Clutter”
Photo Credit © Juvy Pitiquen | Dreamstime.com