This week I’m sharing with you my best ideas on how you can make this Christmas a frugal and a more joyful one. 

Frugality doesn’t have to stifle your enjoyment of Christmas. Actually the exact opposite it true. By keeping our wallets tucked away it forces us to be creative and focus more on relationships and spending quality time with the people we cherish the most. 

Today is Frugal Christmas Idea #3 - Secret Santa. 

If you don’t know what Secret Santa is, it’s where you and a designated group of people exchange Christmas gifts anonymously. Each member of the group is assigned one other member to give gift to, with a budget set. 

I am very excited - like bursting at the seems excited - because this year on both sides of my family, we are doing Secret Santa. So instead of buying presents for like 8 people, I only have to buy a gift for 2 people - one from the Secret Santa we’re doing with my family, and one with the Secret Santa we’re doing with my husband’s family. 

By doing Secret Santa with our families, it cuts down the number of gifts I’ll be buying this year by two thirds, and instead of stressing trying to find gifts for everyone in my family, I can just focus on finding something extra special for my 2 secret santa recipients. 

I highly encourage you to consider this in your family, especially if the overflowing amount of presents and consumerism in your family has taken over. You’ll save a boatload of money and stress by keeping it simple with Secret Santa. 

That’s it for today, but before you go, would I be correct in saying that your retirement is perhaps the most important financial decision you’ll ever make? You want to get it right. Well, so do I. For the last 12 years, I’ve been helping clients just like you make the transition into retirement. If you want to talk one-on-one with me about whether or not you can retire, head on over to truenorthra.com, where you can book a 15 minute call with me, at a time that’s convenient for you. The call is confidential, free, and I promise to help guide you on whatever is weighing most on your mind right now regarding your retirement. So head on over to truenorthra.com and book a call today. 

Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip.

----------

>>> Subscribe on iTunes: https://apple.co/2DI2LSP

>>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs

>>> Check out our blog: https://truenorthretirementadvisors.com/blog/

----------

Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance, wealth management, fee only financial advisor, financial planner, financial podcast, retirement podcast, financial independence podcast, frugal christmas, frugal christmas 2019, no cost christmas gift ideas, christmas on a budget, christmas, christmas 2019, christmas gift ideas, christmas traditions