Skip to main content

Kelly Blodgett launched Money Gal Coaching with a goal of serving people who, like her, were burdened by debt. You can get her tips for paying down debt on a regular basis at Bring Me The News, in addition to the Money Gal Coaching website and Facebook page. Here is her latest story:

Here we are, Christmas week and you last-minute shoppers are starting to scramble (don’t worry, I am right there with you). Just because time is limited, it doesn’t mean your credit card needs to take a hit. 

Use these three tips to give a loved one something they will enjoy without creating January debt – reducing a bit of your stress!

Gift pickup

We’ve done it before with groceries and here it is again, the Mall of America is allowing you to do all your shopping with one single pickup at Guest Services. Navigating four levels will take time and cost you money (we see you Cinnabon). But by shopping in advance you can reduce your time taking those laps while spending less money on your gifts. With thousands of in-stock items you won’t leave with an empty cart.

Spending limits

If you didn’t jump on the budgeting bandwagon earlier this year for Christmas, that’s OK! Even though you’re shopping last minute, you can still have an amount that you are looking to spend to stop yourself from buying the first, possibly most expensive item.

Also, have conversations with those that you are exchanging presents with to see how much you both are able to spend. It will give you guidance and reduce stress knowing you’re on the same page. 

Bonus points for using an app like Elfster to help your loved ones give you ideas. You can also track your shopping list, how much you spent and where you hide the gifts in the house.

Giving your time

And last but definitely not least, share your time. If COVID taught us anything it’s that we missed spending time with people. You can write out a nice card, design a coupon book or create a scavenger hunt. These can lead to gifting a loved one a 5-star meal prepared by you, free babysitting for a night of their choice or an impromptu date night as you explore a new part of town.

Don’t forget to be creative and to remember why we love the holidays so much. It’s not about the physical things we receive. It’s about spending time with loved ones, showing them that we care and hopefully working a little less.

Ready to learn more or get started with Money Gal Coaching? Book a free call with me and let’s put financial clarity on top of your priority list this year.

Sponsored: Money Gal Coaching special offer for friends of Bring Me The News.

Disclaimer: Bring Me The News will receive a portion of the proceeds from readers who purchase a service from Money Gal Coaching via our articles.

Next Up

Blaine VFW video screengrab crop N West Twitter

Authorities now looking into MN lawmaker's report of assault

Video shows Rep. Nolan West being grabbed and pushed out of a public event.

TajPharmaImages WIkimedia Commons ivermectin

COVID treatments: Essentia Health to help test 3 existing meds

The clinical trial includes the much-discussed drug ivermectin.

Screen Shot 2022-01-24 at 3.48.57 PM

Suspect crashes into Minneapolis snow plow, fires shots at plow driver

The plow driver was pulled to the side of the road when the incident happened.

cold Minneapolis

Coldest day of the winter is possible this week in Minnesota

An air temp of -30F isn't out of the question too far from the metro.

polley freeborn county jail roster jan 2022 resize

District fires school counselor accused of sexually assaulting student

He's been charged with felony criminal sexual conduct.

Moorhead family

Authorities pinpoint source of CO that killed family of 7

The victims, all members of Hernandez-Pinto family, were found dead in a Moorhead home.

polymet mining

Court issues mixed ruling on PolyMet, orders more analysis on water permit

The court, however, overruled several challenges to the permit.

SPPD Kua person of interest 01-24-2022

Police release images of woman driving stolen Audi that had puppy inside

It's not clear whether she was involved in the vehicle theft.

J R Jones - Anoka County Jail 2021.10.16 - Resize crop

Fatal hit-and-run driver can avoid prison time with plea deal

He was charged with striking and killing a 56-year-old who was walking her dog.

Screen Shot 2022-01-24 at 11.21.49 AM

Alex Rodriguez: 'I'm not a Packers fan'

He was at Lambeau screaming "Cheese!" and "Let's go!" during the playoff game against the 49ers.

Related

spending, personal finance, money

Money Gal Coaching: How to be smart about spending for personal growth

Kelly Blodgett used her passion behind becoming debt free to launch Money Gal Coaching.

holiday shopping

Money Gal Coaching: 4 tips to avoid holiday shopping debt

Kelly Blodgett used her passion behind becoming debt free to launch Money Gal Coaching.

money

Money Gal Coaching: Mastering the spiritual parts of money

Kelly Blodgett used her passion behind becoming debt free to launch Money Gal Coaching.

credit cards, debt, bills

Money Gal Coaching: Ready to ditch debt? 3 steps to pay debt off quickly

Kelly Blodgett used her passion behind becoming debt free to launch Money Gal Coaching.

Family Dollar

Money Gal Coaching: 12 things you are wasting your money on

Kelly Blodgett started Money Gal Coaching after paying down nearly $50K in debt in 18 months.

Christmas presents

Money Gal Coaching: 3 holiday tips to avoid January buyer's remorse

Kelly Blodgett started Money Gal Coaching after paying down nearly $50K in debt in 18 months.

emergency fun

Money Gal Coaching: You need an emergency fund. Here's what to do

Kelly Blodgett used her passion behind becoming debt free to launch Money Gal Coaching.

credit card, payment

Money Gal Coaching: Bouncing back after living your best life

Kelly Blodgett started Money Gal Coaching after paying down nearly $50K in debt in 18 months.