4994 Lower Roswell Road NE Suite 4, Marietta, GA 30068


Phone: 770-971-9141



September/October 2019

Curb Holiday Spending

Article Image

Now is the time to prepare financially for the holidays.

Be Accountable
Set a holiday budget. Create a list of items you intend to buy with expected prices, and match the total cost to your budget. Hold yourself accountable.

Be Thrifty
You can find coupons for just about anything online, in print and through apps. Don’t buy a sale item if it wasn’t on your original list, no matter how low prices go. No discount is more than the 100% you save by not buying an item.

Be Card-Smart
One of the easiest ways to not overspend during the holidays is to leave your credit cards at home. It’s hard to exceed your budget when you only have cash. If you do use a card, use those with the best cash-back offers for additional savings, and pay your cards off in full each month.

Be Money-Smart
If the thought is what counts, consider baking cookies and gifting them in a nice tin during the holidays. Host a potluck dinner or dessert gathering rather than exchanging gifts with friends. Most likely, they will appreciate the money savings and the relaxing time together.


Enter your Name and Email address to get
the newsletter delivered to your inbox every month.


Enter your Name, Email Address and a short message. We'll respond to you as soon as possible.

Securities and Advisory services offered through Triad Advisors, LLC. Member FINRA/SIPC. Triad Advisors, LLC. and Vining Financial Services, Inc. are not affiliated.
Vining Financial Services, Inc. and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.