If it's July, it must be Christmas, or at least our annual Christmas in July challenge.
If you belong to the BO group (and that's Born Organized, not what you were thinking!) then you are most likely finished with your Christmas planning, shopping, making and wrapping and are shaking your head at the rest of us who are thinking "Christmas? It's months away!".
Christmas may well be months away, but if you want to own your Christmas and be able to actually relax and enjoy the festive season, you really do need to start now.
You need to start now if you are planning on a handmade Christmas.
You need to start now if you are on a tight gift and entertainment budget.
Start saving in July if you find Christmas shopping, planning, wrapping and entertaining stressful in December and give yourself plenty of time to make Christmas 2018 one you can really enjoy.+
One of the best things I learned to do is to say "no".
Being overwhelmed with things to do is not good for your health or your budget. When you are flat out is when you spend without thinking, opt for takeaway because it's easier and go for convenience over price and health.
Of course there are times when that's OK. But being flat out because you didn't want to hurt someone's feelings or appear impolite is a problem.
Learn to say no.
You don't need to offer an explanation; in fact, if you do, you are leaving yourself open to be offered an alternative.
Just say NO! - and then change the subject.
This was first posted on Debt Free, Cashed Up and Laughing