Smart Women Welcomes Crowd for 'Balancing the Holidays: Without Breaking the Bank'
This article is republished with the permission of the State Gazette and Rachel Townsend.
Saturday, November 16, 2019
Smart Women recently held a program entitled ‘Balancing the Holidays: Without Breaking the
Bank,’ with guest speaker Beth Bell.
Thursday evening, November 14, a crowd of interested women gathered at McIver’s Grant
Public Library for a Smart Women program focusing on holiday budgeting.
Guests were welcomed to the event by First Citizens National Bank President and COO Judy Long
Entitled Balancing the Holidays: Without Breaking the Bank, the program welcomed guest speaker Beth Bell and Courtney Williams of First Citizens National Bank, with catering for the event provided by The Willow Tree.
Throughout the program, Bell discussed numerous ways to stay on top of things during the bustle of the holiday season, starting first with finding ways to reduce stress.
Using examples such as mailing out Christmas cards and holiday cooking, Bell suggested women acknowledge the largest sources of stress during the holidays —later making decisions on whether to simplify the tasks, ask for help, or drop them from their “to-do” list, altogether.
Holiday traditions can be tedious and costly. Bell says many Americans accrue an average of roughly $1,000 in debt following Christmas—debt which also rolls over into January and can lead to high interest payments if not paid off quickly.
For those wishing to make drastic cuts to their holiday traditions in an effort to save money or spend less, Bell recommends first discussing plans with family members who will be impacted by the change to make sure the transition is understood and agreeable.
Next, Bell says you need to decide how much money you are willing to spend during the holidays. Once you have written down a realistic figure, stick to it by tracking purchases on a digital list that includes: