A Frugal Tips For A Fun Winter
When you’re facing debt problems, trimming your expenses is a significant means to free up an extra dollar that goes to your debt repayment. Such a frugal attitude actually works as your strategy to pay off your debt. Cutting back entails canceling any expenses that are not essential.
This would relate to no dine out or if not saving while dining out, no vacation trips or movie marathon. It sounds frustrating, isn’t it? But, you should know that trimming your budget makes it more feasible for you to pay off your debt.
In contrast, this does not mean that your social life will get boring when you focus on knocking down your debt. There are loads of frugal activities that you can do to enjoy and recreate your social life. In this guide, we will tackle how you can frugally enjoy your winter.
Take Advantage of the Amazing Outdoors
Winter time shouldn’t just hinder you from enjoying the beautiful outdoors. We’re in Canada, and we shouldn’t be here unless we haven’t enjoyed some of the fun outdoor activities. Grab your winter clothes and enjoy the outdoors while playing some of these free activities:
- Ice Skating
- Hiking on the cleared trails
- Building some stuff out of the snow
Well, these may seem for youngsters for you, but knowing the benefit that you enjoy from it will blow your mind. In fact, as you do some activities for winter, you can keep your body from moving making it possible for you to do some exercise even in winter; plus, it’s frugal
Take Advantage of the Holiday Events
if you’re residing in an average-sized city, chances are you can take advantage of several holiday activities. Perhaps, you can visit a Christmas themed park where you see some amazing decorations that you can enjoy, or visit the Christmas market for a window shopping, meaning you shouldn’t be drawing yourself to Christmas debt– remember you’re saving not spending.
Take Advantage of Your Warm Fireplace
After the fun activities outdoors, it’s always relaxing to set on your couch with a cup of cappuccino, enjoying the warmth of your cozy home. You can even invite friends and enjoy the coziness of your home. Instead of going on a vacation, you can consider a staycation.
Realize that It’s Not Permanent
During the col months, the tendency to reduce your expenses towards entertainment, or restaurants may possible, yet some areas may increase like expenses on blue ray movies and other aspects. To avoid this, you may need a clear rationale if you’re just spending on this matter due to the winter season. Remember it ain’t permanent, it’s just temporary. So, you might need to consider evaluate whether it is wise to spend on this stuff or not. The cold weather will pass; so, you might consider asking these questions:
- Do I need a new video game just to surpass this season?
- Will another blue ray movie make me feel warm from this season
Your answer is surely no. Soon the cold months will pass, and you’ll end up realizing you’re not spending your money wisely.
CONSUMER PROPOSAL EXAMPLE
Example Unsecured Debts
|2||Credit card 1||$6,812|
Your Monthly Repayments Would Be
a Consumer proposal $748
(total contractual repayments)
a Consumer proposal $295
(total contractual repayments)
* Subject to creditor acceptance
* Payment subject to individual circumstances
* Credit rating may be affected
* Fees apply, subject to individual's circumstances.