8 Smart Tips for Budgeting for Holiday Expenses

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iStock

Unsure how much you spent during the last holiday season? If you don’t know definitively, there’s a good chance it was more than you bargained for. In fact, according to national polls, consumers spend an average of $750 on holiday gifts and entertainment each year. How do you budget for such a big one-time expense? Our good tidings to you are surefire tips to keep your celebratory spending in check.

1. BUDGET TIME JUST AS YOU DO MONEY.

It goes without saying that creating a spending budget is a key way to stay on top of your personal finances, but also scheduling when you plan to shop—and setting reasonable deadlines—will keep you on target. After all, the longer you wait, the higher the prices will rise and the more desperate you’ll be to buy products at a premium because you’re running out of time.

2. KEEP A RAINY DAY FUND.

It’s common financial sense to have an emergency fund for the unexpected, whether it’s a job layoff, a car repair, or a sudden medical procedure, but it’s also wise to have some funds tucked away for expected, but no less expensive, costs. When moving money into a savings account every month, consider also tucking additional cash away in an easily accessible account for annual birthdays and holidays.

3. CLEAR YOUR CACHE WHEN SEARCHING FOR FLIGHTS.

There are easily thousands of tips for scoring a cheap flight, but unless you want to wake up at 2:32 a.m. on a Tuesday, consider simply erasing your browser history before researching airfare. Many airlines track how many times you visit their sites, and in doing so, provide different offers and deals. The more they see you searching, the higher they’ll raise the prices.

4. CUT THE BOOZE.

It’s a lot less fun, sure, but consuming alcoholic beverages at restaurants and bars is a costly expense in general, never mind during the hustle and bustle of the holiday season. Not convinced? Consider this: By abstaining from just two glasses of wine or fancy cocktails, you’ll be able to afford one more substantial gift for a friend or loved one.

5. SET YOUR OWN PURCHASING WAITING PERIODS.

Instant gratification is one of the trickiest urges to overcome when trying to stay on budget. Just because it’s easy to find what you are looking for and order it right away doesn’t mean you should. Instead, mandate a waiting period for the bigger purchases on your list or at least double-check return policies.

6. APPLY THE SAME RULES TO YOUR GROCERY LIST.

Holiday spending isn’t just about gifts and decorations—it’s also about entertaining, and those costs add up just as quickly. If you’re baking or cooking for a family gathering, do your best to clip coupons or find other ways to save money on foods and beverages.

7. USE A CASH-BACK CREDIT CARD.

Although the benefits of a rewards card won’t benefit you immediately, it behooves you to shop with one. As long as you’re smart about paying off the balance so you aren’t faced with interest charges, you could save anywhere from 1 to 5 percent on each purchase in the form of either a rebate or a statement credit.

8. PAY WITH CASH.

If, however, you have a history of credit card debt, consider instilling a cash-only policy for all holiday expenses. When it comes time to shop, label envelopes with the name of the gift recipient and put the appropriate amount in each one. That way, there’s no possibility of going over your maximum, even by a few cents.

This Course Will Teach You How to Play Guitar Like a Pro for $29

BartekSzewczyk/iStock via Getty Images
BartekSzewczyk/iStock via Getty Images

Be honest: You’ve watched a YouTube video or two in an attempt to learn how to play a song on the guitar. Whether it was through tabs or simply copying whatever you saw on the screen, the fun always ends when friends start throwing out requests for songs you have no idea how to play. So how about you actually learn how to play guitar for real this time?

It’s now possible to learn guitar from home with the Ultimate Beginner to Expert Guitar Lessons Bundle, which is currently on sale for $29. Grab that Gibson, Fender, or whatever you have handy, and learn to strum rhythms from scratch.

The strumming course will teach you how to count beats and rests to turn your hands and fingers into the perfect accompaniment for your own voice or other musicians. Then, you can take things a step further and learn advanced jamming and soloing to riff anytime, anywhere. This course will teach you to improvise across various chords and progressions so you can jump into any jam with something original. You’ll also have the chance to dive deep into the major guitar genres of bluegrass, blues, and jazz. Lessons in jam etiquette, genre history, and how to read music will separate you from a novice player.

This bundle also includes courses in ear training so you can properly identify any relative note, interval, or pitch. That way, you can play along with any song when it comes on, or even understand how to modify it into the key you’d prefer. And when the time comes to perform, be prepared with skilled hammer-ons, pull-offs, slides, bends, trills, vibrato, and fret-tapping. Not only will you learn the basic foundations of guitar, you’ll ultimately be able to develop your own style with the help of these lessons.

The Ultimate Beginner to Expert Guitar Lessons Bundle is discounted for a limited time. Act on this $29 offer now to work on those fingertip calluses and play like a pro.

 

The Ultimate Beginner to Expert Guitar Lessons Bundle - $29

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How Coronavirus and 31 Other Infectious Diseases and Viruses Got Their Names

Rotavirus—from the Latin rota, for "wheel"—is named for the wheel-like appearance of its particles.
Rotavirus—from the Latin rota, for "wheel"—is named for the wheel-like appearance of its particles.
Dr_Microbe/iStock via Getty Images

As you may already know, the corona in coronavirus has no relation to a certain refreshing beer often served with a slice of lime. Corōna means “crown” in Latin—and Spanish and Italian, too—and virologists chose it in 1968 to describe the group of viruses characterized by crown-like spikes that protrude from their surfaces.

So how do other viruses and diseases get their names? Based on the infographic below, created by Adam Aleksic for his website, The Etymology Nerd, there isn’t just one way. Some, like the coronavirus, are named for how they look under a microscope. The rota in rotavirus, for example, which means “wheel” in Latin, reflects the virus’s wheel-like appearance when viewed beneath an electron microscope.

Others are named after the locations where they were discovered or studied. In 1947, scientists named a newly identified mosquito-borne virus after Uganda’s Zika Forest. In 1977, Yale researchers investigating a string of pediatric arthritis cases in the town of Lyme, Connecticut, started referring to the illness as “Lyme arthritis.” Later, the name was modified to “Lyme disease” when scientists realized patients were exhibiting other symptoms, too.

Still others are characterized by the symptoms they cause. People with tetanus—from the Greek tetanos, for “tension”—usually experience muscle stiffness, and the skin of yellow fever sufferers often takes on a yellow tint due to jaundice.

Find out the origins of malaria, measles, and more below. And follow The Etymology Nerd on Instagram for more fascinating etymological explanations.

etymology nerd infectious disease names infographic
Unsurprisingly, there's a lot of Latin in this infographic.