[vc_row][vc_column][stm_spacer height=”90″ height_mobile=”-100″][vc_custom_heading source=”post_title” font_container=”tag:h4|text_align:center|color:%233f3f3f” google_fonts=”font_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal”][/vc_column][/vc_row][vc_row][vc_column width=”1/6″][/vc_column][vc_column width=”2/3″][vc_single_image image=”14346″ img_size=”large” alignment=”center”][stm_separator color=”custom” style=”style_3″ custom_color=”#0d97ff” sep_width=”200px” sep_height=”10px” sep_css=”.vc_custom_1571309810608{margin-top: 20px !important;}”][vc_raw_html]JTVCRElTUExBWV9VTFRJTUFURV9TT0NJQUxfSUNPTlMlNUQ=[/vc_raw_html][vc_column_text]The first day of the ‘-ber’ months marks the start of the Christmas season–at least for us, Filipinos. With all the Jose Mari Chan memes popping out across various Social Media platforms, we are reminded that the holidays are literally just around the corner. 
Apart from the festive celebrations, a Filipino Christmas celebration isn’t complete without gift giving. With this, consumer spending consistently goes on a spike come the holiday season. 
We don’t want you to feel the weight of the financial stress during this time. Stay within budget and avoid getting carried away on your holiday spend with these three practical tips:[/vc_column_text][vc_column_text]1. Be firm on your gifting budget 
Buying presents for friends and family members is an enjoyable task. However, there are times that people feel overwhelmed as they find the balance between finding the perfect gifts and their financial limitations; this phenomenon is called gifting anxiety. To prevent this from happening, make sure to set a firm budget, list down your gift recipients, and allocate a budget per gift. This way, you know that you’re in control of your gift expenses and won’t go overboard.[/vc_column_text][vc_column_text]2. Explore DIY options 
Do-it-yourself gifts often come with much thought, hard work, and of course love from the sender. Aside from being able to save a ton of money from swiping items from mall shelves or via online platforms, you also get to exercise your creativity. There are plenty of DIY inspirations you can find online.[/vc_column_text][vc_column_text]3. Plan your holiday spread ahead
Since the pandemic situation in the country is still at its peak, the celebration of Christmas and New Year, as it appears, might still be indoors with our beloved immediate family. One might feel compelled to make lots of dishes or buy expensive charcuterie boards. What we can advise is that you plan what you’re going to prepare and make sure that it is just enough for the family. You can also start allocating funds from your monthly salary to your holiday spread budget as early as now so it won’t get too painful on your pockets when the time of grocery shopping comes. Either that, or buy small items in advance (such as frozen meats, canned goods for desserts, etc) so you won’t encounter bulk spending on the 24th of December.[/vc_column_text][vc_column_text]These practical tips will surely help you cope with the financial stress that comes with the holidays. If gift giving or festive noche buena spreads are not your thing and you’d opt for house improvement come December, Uploan can always help you secure your needed funds. [/vc_column_text][vc_raw_html]JTVCRElTUExBWV9VTFRJTUFURV9TT0NJQUxfSUNPTlMlNUQ=[/vc_raw_html][/vc_column][vc_column width=”1/6″][/vc_column][/vc_row][vc_row disable_element=”yes” shadow_x_offset=”0″ shadow_y_offset=”0″ shadow_blur=”0″ shadow_spread=”0″][vc_column][/vc_column][/vc_row][vc_row][vc_column][vc_column_text][/vc_column_text][/vc_column][/vc_row]