Savvy Holidays 

Savvy Life Philosophy: Save on the things that are not important to you so you can
spend on the things that are important to you.

Take the stress out of the holidays and turn them back into something you enjoy with these time and money saving ideas.

• The Rule of Thumb for Holiday Spending: Spend no more than 1.5% of your annual take home pay on the holidays, including travel, decorations and gifts.
• Start your own holiday savings account and leave your credit cards at home.
• Enjoying the holidays starts with managing your calendar. 
• Learn when and how to say no.
• Systems for saving 20% - 80% on almost all of your gifts as well as strategies that make shopping easy.
• How to save time as well as money at the grocery store for those holiday meals.
• Alternative gift giving ideas.