Sources: Jodi Kaus, 785-532-2889, jkaus@k-state.edu
Website: Free 1xbet online sports bet
News release prepared by: Tyler Sharp, 785-532-2535, tmsharp@k-state.edu
Tuesday, Nov. 22, 2011
Thrifty gifting: Financial planning expert offers tips on 1xbet online casino budgeting, limiting stress
MANHATTAN -- Nearly 14 million Americans are still paying for gifts purchased during the last 1xbet online casino season.
While the 1xbet online casino season presents countless opportunities to overspend and create excess stress, remaining budget conscientious and stress-free over the holidays can be easy, according to a Kansas State University financial planning expert.
It all begins with a plan.
"Have a budget ahead of time as to how much 1xbet online casino can afford," said Jodi Kaus, director of Powercat Financial Counseling, a free financial counseling and education program for students at the university. "Make a list before 1xbet online casino go into the store so 1xbet online casino know exactly where 1xbet online casino are going to shop and what 1xbet online casino are going to buy instead of meandering. Be conscientious of all of those savvy things retail stores have 1xbet online casino do to get 1xbet online casino to buy things that weren't in your budget or plan."
To ensure a comfortable amount of money is available for 1xbet online casino gift purchases, Kaus advises setting aside money ahead of time, separate from savings. Using reward points, shopping online and staggering purchases can also make a difference.
Kaus said other ways to reduce costs during the 1xbet online casino season include:
* Creating a detailed shopping list;
* Creating a budget;
* Setting a price limit for each gift;
* Shopping alone;
* Participating in gift exchanges;
* Giving the gift of time;
* Considering layaway; and
* Being creative.
Additional cost-saving ideas include sending e-cards and newsletters as opposed to traditional 1xbet online casino cards, hosting a potluck as a 1xbet online casino dinner and celebrating out of season.
Travel is an important consideration for many people during the 1xbet online casino season, and there are ways of minimizing costs, Kaus said. Reserving all travel accommodations early and together often results in lower costs. Flexibility and booking off-season are also beneficial considerations.
Kaus also recommends advantage travel miles for customers who frequent the same airline.
"A lot of people don't even sign up for those programs," she said. "1xbet online casino might be able to use some of those at the times 1xbet online casino really need to travel some distance."
With trips, event planning and large expenditures, stress is easily amassed during the 1xbet online casino season. To avoid the 1xbet online casino blues, Kaus says moderation is key. Taking personal time daily, modifying traditions, regular exercise and eating properly are among the most important ways of limiting stress. Managing meal sizes can play a significant role in limiting stress and not hindering 1xbet online casino celebrations.
"1xbet online casino still need to have fun, celebrate and enjoy grandma's pie," Kaus said. "But if 1xbet online casino overindulge on everything, then later on 1xbet online casino 'll have a lot of guilt and some possible stress issues with overindulging. Going in with a plan is important."
For more 1xbet online casino shopping strategies and a 1xbet online casino budget worksheet, visit Powercat Financial Counseling's website at http://www.k-state.edu/pfc.