for a fun inexpensive way to ring in 2023 with loved ones.

6. Make a New Year’s resolution tree - If you are having people over for New Year’s, have each guest write down and hang their resolution from a tree. Not only is this a fun activity, but it could also keep one another accountable.

5. Set the mood - Create an inviting atmosphere with soft lighting, soothing music, and comfortable seating. Have some games and activities ready for the children, too.

It’s easy to get overwhelmed by all of the tasks that need to be done. Let’s prioritize our tasks so that we can focus on the most important ones first. Select 1-3 per day depending on how big or small the task is. Remembering to break down the bigger ones. If we happen to have more than one task on a particular day, it is a good idea to

It seems to get us carried away with spending and leads us to believe that our money is infinite. Sadly, it’s not infinite. However, that doesn’t mean we can’t have a very special holiday season and not break the bank!

Here are some practical ways to save money this holiday season:

Perfectionists often struggle to make decisions they can also be paralyzed by their fear of making mistakes, thereby, never taking any chances. Perfectionism can also lead to a feeling of never being good enough, which can cause us to be overly-critical of ourselves and others as well as develop low self-esteem.

Organize a game night and have affordable fun. Bonus if you make it holiday themed think ugly Christmas sweaters or holiday hats. If you have some holiday games include those as well.

7. Have a talent show - Bring your silliest talent and host a talent show.

There is no denying that December is one of the most wonderful months of the year. Yes, Autumn is stunning. Summer, quite fun. And Spring is oh-so-sweet. But December, oh December; you are quite a treat!

That being said, here are some ways we can make the most out of the season:

These actions, repeated again and again become habits, and once they are habits they become easy to maintain. These are habits I have personally done to help get and keep my finances

Traditions can help family life to be even sweeter and our little ones will take the memories (and some of the traditions) with them as they grow up and out of the home. So make it playful, make it fun and make

But the opposite is also true, when we mismanage our time we feel as if we are always running to catch up with the day. There is hardly any time for family and definitely no time to relax and work on some of those new hobbies we have been trying to pick up.

Now that we have recognized those potential issues in our finances, we can begin to select some goals! This part is super exciting because it helps us to visualize where we could be with a little time and a lot of focus. Select the goals that are important to you and your family but please,

We should be having fun on a daily basis. No matter what we are doing let’s endeavor to have fun! When we have fun we are adding years to our life by laughing, playing and removing stress. Not everything has to be so stiff and serious. Even though we might have a lot going on we can still laugh along the way.

Family dinners are crucial, they help to build confidence and a sense of hope and security. They help us feel that no matter what we have each other and that will never ever change. When we have family dinners, we also help our children and their children do the same. We start a new culture within our family and we help to change the

it’s super important to keep the spark going. Not to mention laughing and spending quality time with our spouse is so important. Here are some fun and free date ideas to implement on your weekly date night.

And why? Why do we want a new way of life to begin with? Having a strong why is crucial especially if we want to push through the overwhelm. What is this way of living costing us? Our space? Our peace? Our sanity?

Even with a great incentive like that, I still like to help make things as fun and easy as possible. In order to do that we are going to find practical ways to help us live one less. Here is a practical list you can use to get you started.

Combining all of these tips will get us more than enough money to enjoy Christmas with our families and not go into debt. Although, let us always remember the reason for the season and focus on making wonderful memories and doing kind deeds rather than…

Work with your personality, not against it, and you will get far. Find quiet pockets of 5-90 minutes where ever you can. These minutes do add up! Make a…

That way, we know exactly what it is that we need to repurchase and for how much, instead of being forced to remember all at once

When we put away and not down, we are never left with a bigger mess. When have a tendency to put things down, this is actually a form of procrastination.