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A true Wealthsmith™ does more than just make smart spending decisions – they choose to live their best life possible by making the most of what they have. How can this approach help you make the most of the month that's known to make spending even easier than ever?

1. Let your bonus work for you

A Wealthsmith™ knows it's not what you have, but what you do with it that counts. Plan to balance your bonus between long-term goals like paying off debt or a tax-free investment, and reward yourself with a little something that will give you a sense of satisfaction in the short-term. After all, it's been a long year.


2. Don't take it all on

Take the divide and conquer approach with friends and family and make joint decisions about holiday plans. Delegating responsibilities gives everyone enough time to make arrangements, find deals or plan the right road trip route. It also relieves last-minute panic and the overspending that often comes with it.

3. Choose mindful giving over mindless spending

Being a true Wealthsmith™ on special occasions is less about the money we spend and more about the effort we make. Slow down and consider who you're buying for. The things they value most may not even be things at all. How about making your own gifts? Or offering someone a gift that'll never go out of date, like your own time or expertise.


4. Bring and share, and save

Food is a big part of the December season, but festive feasts don't have to mean unnecessary stress or huge bills. Why not host a potluck dinner where each guest contributes a different plate of food? You'll find that a lot can come from very little when everyone chips in. Less time spent stressing over a table spread means more time for chatting, catching up, and making memories.


5. Give back

Wealthsmiths™ choose to make life better for themselves and others. But giving back this holiday season doesn't have to be about money. You can make just as much of a difference by donating food and old clothes to the less fortunate or volunteering your time at a non-profit organisation.

Approaching December with a Wealthsmith™ mindset means focusing on having quality time and meaningful experiences instead of splurging on things you don't need. Don't get caught up in the festive flurry and you'll soon find that spending time with people you care about will leave you feeling a lot more fulfilled than spending money you may not have.



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