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Avoid Overspending this Holiday Season Atlanta, GA

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Avoid Overspending this Holiday Season

Marketers specialize in creating messages that convince consumers they “must have” the latest gifts and gadgets that are “only available for a limited time.” An old cartoon depicts a woman loading a shopping cart with heaps of goods, while her husband questions her choices. She responds by saying, “It doesn’t matter; it’s on sale!”

A wise man once opined that if your outgo is more than your income, then your upkeep will be your downfall. Avoid getting carried away with the season and overspending by following these suggestions.

Invest Yearly in a Christmas Fund

Many companies offer this as a voluntary deduction from your paycheck. You designate an amount that your employer then retains for you all year. You receive the lump sum in time for Christmas gift shopping. Even if your employer doesn’t offer it, this is a wise strategy to budget and save for holiday spending. Pay an amount from every paycheck into a fund just like a regular expense. At the end of the year, you have a windfall of cash for gift spending.

Establish a Gift Budget

Determine together as a family what you can safely spend from your budget for holiday gifts and let that be your guide. Divide up the budget between family members or other gift obligations and stay within the limits. This may mean leaving out some extended family or peers, but the reward for you is no post-holiday debt pressure that puts a damper on other activities or expenditures. You may want to explore homemade gifts or re-gifting options, too.

Pay Cash

Determine that you will only buy gifts when the cash is available on hand to pay for them. Many people create a gift list early in the year and make purchases all year long, saving them for the Christmas season. This is a great way to use a little prior planning to avoid post-holiday debt worries and problems. Cash and carry is definitely the best way to do your holiday shopping.

If debt is beginning to overwhelm you, call Jamie L. Gingold, PC, (Formerly practicing with Gingold & Gingold LLC) at (404) 685-8800 for help. Our first appointment is free, and we can help you turn things around.

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634


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    Jamie L. Gingold, PC
    5.0 / 5.0

    Based on 28 reviews

    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

    Karen B.

    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

    Lyla B.

    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

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    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

    Julie T.

    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

    Anna T.

    Amazing! Outstanding!! They went over and beyond..I would recommend them to anyone needing a lawyer!!

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