No matter what your financial situation, talking about money can sometimes seem uncomfortable, but it’s important to teach your children financial literacy – and to teach it to them again and again. The best way to teach is by example, so that your children can gain valuable, lifelong lessons.
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Perhaps more than at any other time of year, the winter holiday season sends consumers into a shopping frenzy. For 2014, the National Retail Federation projects that consumers will spend an estimated $616.9 billion, a 4.1 percent increase over last year.
Some shoppers will plunk down cold hard cash. Others will swipe their credit card or debit card. What about shoppers who lack any of those means of payment? Well, they aren’t necessarily left out in the cold.
Winter holiday celebrations worldwide overflow with taste-tantalizing delicacies and multi-course meals. They also mean the arrival of guests bringing not only good cheer, but also side dishes, pets and bouquets of flowers. Add a live Christmas tree to the festivities and you have the right ingredients for a perfect allergy storm.
So, what’s a host or hostess to do? The answer is to ask guests ahead of time if they have any known food, pet and airborne allergies and to share that information to help minimize the risks to all guests.
You have all of your holiday gifts bought and sorted. Now it’s time to wrap. Will the prospect make you groan or grin? If you’re among the people who tend to panic over prettying up a pile of presents, take heart. You can turn a wrapping marathon into a fun project by making your own gift bags and tags.
A make-it-yourself approach can also save you big bucks. The cost of holiday wrapping paper, ribbons and tags adds up fast, especially if you have lots of family members and friends on your gift list.
’Tis the season for joyful times in the company of family and friends during the winter holidays of Christmas, Chanukah and Kwanzaa. For young and old alike, the holidays are filled with anticipation and excitement. There may be parties aplenty and gifts galore, but the true meaning of the holidays lies in intangibles such as kindness, gratitude and peace.