Dealing with dollars can be very tricky especially if you're in a tight budget.
Here are 3 ways to navigate common conundrums:
Dinner Out
Set a budget for your eat out every week. You can use a cash envelope or budget binder to keep your cash every time you dine out. This way you will not regret every single dollar you spent on fine dining with your friends and family.
Getting Money Back
If you treat your colleague a lunch, ask him or her to treat you a dinner next time. Or gently ask later when you'll get reimbursed -- the person might have just forgotten.
Gifts
Everyone loves holidays. Buy holiday gifts ahead of time. Or during semi-annual sale in June-July. Most stores offer pre-black friday or even have 50-80% off the price. This is a great way to save and prepare your gifts. The money you save from buying early holidays gifts can be use in other important things like tickets to amusement parks or road trip with the family.
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