Gifting on a Budget
How was this year for you? Has the year left your bank account with plenty or is it empty? Whatever obtained, you want to ensure that next year is even better than this year. So, resist the urge to splurge this Christmas and instead spread love and good cheer, by getting you and your loved ones gifts that they will cherish.
So, before you get started with your shopping, determine your maximum budget and insert it here, “My maximum budget this Christmas is: $_____________________.” Put that amount in a separate account, if possible, so that you resist the temptation to overindulge.
Now it’s time to make your list and check it twice. A great way to approach gifting your loved ones this Christmas is by choosing a gift based on their respective love language. Here are some great gift ideas that your loved ones will appreciate without sending you broke. Guess what? This list is not exhaustive so you can make your own suggestions too and add your suggestions in the empty spaces provided.
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LOVE LANGUAGE |
GIFT IDEAS |
NAMES OF LOVED ONES |
BUDGET |
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ACTS OF SERVICE |
A romantic bubble bath for a special someone |
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You deserve a break. I’ll take care of… (baby or elderly relative) |
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I’ll cook your favourite meal |
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Relax and enjoy a spa day |
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QUALITY TIME |
Host an online party/link up |
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Host a games night or gift them with a family game |
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Try an adventure together |
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Take a road trip |
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PHYSICAL TOUCH |
Relax and enjoy a massage |
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Do a dance class together |
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Pamper them with a manicure and pedicure |
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Prepare a special self-care kit with scented lotions and cosmetics |
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WORDS OF AFFIRMATION |
Make/ Buy a personalised card |
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Compose an original song or make a playlist |
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Capture your favourite memories together in a (virtual) scrapbook |
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Give a trophy or award to say how special your loved one is, E.g. “You’re the world’s best x x x “ |
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GIFT GIVING |
Give a gift certificate towards their financial goals/insurance payment /loan repayment/special treat |
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Give a homemade or store-bought sorrel and cake |
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Gift them a painting or frame a great photo |
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Buy a sentimental piece of jewellery or token |
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TOTAL CHRISTMAS BUDGET |
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As you gift your loved ones this Christmas, remember to gift yourself the gift of financial freedom, by staying within your maximum budget and consistently saving and investing. Get started with plans to have a prosperous New Year and treat yourself to a free goal planning session with JMMB. Call us at (876) 998-5662.
Written by Michelle Sinclair-Doyley
Manager, Group Financial Partnership Support & Financial Education, JMMB Group