Surviving the Holidays Financially!
Having a good spending plan is one o the best gits you can give yoursel. Beore you startplanning your holiday spending, review your current nancial situation and then determine howmuch income you will be able to devote to holiday expenses.Ideally, holiday expenses should be planned or year round. You may want to start by developinga regular spending plan rst. Having a plan provides a map to achieve your goals, lowers stressand gets you more “bang or your buck.”
Reduce your expenses with low and/or no-cost gits.
Be creative and look or ways toinclude the time and talents o your entire amily. Homemade cookies, coupons redeemableor babysitting or dog walking, even an oil change are great alternatives.
Make your list and check it twice.
Once you have prepared your holiday list, only shop orwhat you intended. You will save money by buying only what is on your list and save time byreducing the number and length o trips to the mall.
Do your homework.
Comparison shopping and checking prices online are good ways toensure that you get the best deal. Look or coupons, promotions and shopping codes, whichcan reduce prices even more than the advertised sales.
Know store policies.
When deciding where to make your holiday purchases, check the re-tailer’s policy on exchanges and returns. When purchasing online, conrm shipping rates anddelivery times. Keep your receipts until ater the holidays.Contact your local Fleet and Family Support Center to make an appointment to develop a spend-ing plan or to register or a “How to Survive the Holidays Financially” workshop.
Bullying Afects Everyone!
Extending well beyond the playground, the efects o bullying include experiencing physicalsymptoms and illnesses, poor school perormance, and lowered sel-esteem. And unortunately,bullying has been associated with violence and suicide. Cyberbullying is more prevalent that everand can happen over and over beore a parent becomes aware.Ways parents can help:
Encourage your children to make good choices; treat peers the way they’d like to be treated.
Emphasize that they should never put up with being harassed in any way.
Promote positive eelings and good sel images.
Talk, talk and more talk.Remind your children that you are there to help and that no situation is ever hopeless. Let’sempower our children to stand up or themselves – creating an environment or condence togrow. I you or your amily member needs urther inormation or help, Fleet and Family SupportPrograms ofer short-term clinical counseling or individuals and amilies, group counseling and/ or educational groups, and reerral to other military and community resources.
Supporting the Fleet, Fighter, and Family