Cash Management
Cash Management (Soft Token Required) ACH Originators and Merchant Capture Deposits
Cash Management (Soft Token Required) ACH Originators and Merchant Capture Deposits
Cash Management (Soft Token Required) ACH Originators and Merchant Capture Deposits
February 5, 2022
As we approach this romantic time of year, expressing how much you care by buying an expensive gift for a loved one is an expectation that can hurt your wallet. But by exploring all of your options with a realistic budget in mind, you can find the perfect gift without overspending.
As is the basis for any good financial plan, your shopping list should fit into a set budget. By determining how much you should spend on gifts, the stress of overspending will not hang over your head on your special day.
A well thought-out handmade gift instead of a store-bought gift can not only save you money but be remembered for years to come. An addition to any gift could be a thoughtful letter, which can elevate the meaning of anything you choose. If your budget is small, consider a sentimental piece of jewelry, a printed couple photo, their favorite chocolate, or flowers. Ideas that are free include a personalized recipe booklet, a trip to a free exhibit, a nature hike, a poem, or cooking a homemade meal.
Consider giving useful gifts that will show your significant other you care about them. A mini waffle iron, fancy hand soap, skincare items, something related to their hobbies, or a ceramic mug can be a unique gift that can be used everyday. Combine several smaller gifts together into a gift basket for a fun presentation.
The gift of a cherished memory or experience can be more valuable than material things in a relationship. Consider taking your date to their favorite restaurant for a special meal instead of exchanging large gifts. Activities like wine tasting, pottery classes, or a scenic tour can be a fun replacement for a traditional gift. Customized items can add a special touch to a gift, not only can jewelry be personalized, but practical items can be engraved or embroidered. You can even create a custom perfume or cologne scent for your significant other.
For more budgeting and financial resources visit your local Citizens First Bank in person or online. Our experienced team can help find the right strategy for you to save.
