The holidays should not be about fender benders in mall parking lots, going broke on overnight shipping for last minute gifts, or racking up credit card debt. They should be about not fitting into your pants come the New Year.
Just kidding. (Kind of.) In addition to eggnog and star-shaped cookies, the holidays are about love and family and togetherness. And yet Americans are planning to pull out out their wallets early and often. A Gallup poll found that US adults estimate that they will spend about $885 on gifts in 2018, with a third of respondents planning to spend at least $1,000.
Now, add a little bit more to the balance sheet, since we tend to underestimate our spending. With big, tempting sales on every page of the internet, impulse buying and overspending are hard to avoid. In December of 2017, 24 percent of millennial shoppers reported they hadn't paid off their credit card from last Christmas.
Don't let this be you. Nix the stress of overspending by sticking to these guidelines.
Set a Budget
Without an idea of how much to spend, the chances of overdoing it — oh, look at these cute elf-shaped pancake molds! — are as high-flying as Santa's sleigh.
Scott Hannah, head of the Credit Counseling Society, told Canada's Global News that a reasonable gift budget is around 1 percent of your gross annual income.
But if even that allowance seems too high, don't be afraid to slash it. Gifts aren't necessities, and there are a lot of variables and discrepancies that would make reasonable spending plans for families with similar incomes look very different, said Hannah.
Factor in Gift Wrapping
One budget line item you need to include is money for gift wrapping and cards. Those $5 letterpress beauties add up fast.
One of IKEA's best kept secrets is their holiday wrapping, and who doesn't love a classic and homespun brown butcher paper tied with a red yarn bow?
Make a List, Check It Twice
me & my BIG Ideas
Now it's time for the nitty-gritty. Make a list that includes: who you're buying for, what you're buying, and how much you'll spend in total. That last figure is key. It should equal roughly 80 percent of your budget, advises Chime, to allow yourself a little wiggle room.
The perfect, perfect gift can sometimes come with a price tag that's beyond your budget. See if you can get a few relatives or friends to "go in" together on a special gift with you, advises The Spruce. The lucky recipient would surely rather have that Hudson Bay blanket they've always wanted instead of four smaller gifts they don't need or desire.
Nix "One for Them, One for Me"
Nearly 60 percent of people indulge in "self-gifting," reports the National Retail Federation, spending $130 on ourselves on average. When hitting stores for gift cards, 72 percent of shoppers report getting something for themselves before checkout.
Money-saving master Scott Alan Turner institutes a "no shopping on Amazon for yourself" rule for the month of December.
"If I want something, I can add it to my wishlist or ask for it for Christmas. Our rule also helps avoid splurging and spending less," he advises. "This is the season for giving, not receiving. If you find something you can't live without, add it to your wishlist. If nobody buys it for you, pick it up on sale after Christmas for yourself."
But….there are some killer sales right now and you really do need a new down coat. Far be it from us to say don't treat yourself, but be aware of how much you're spending on yourself when shopping.
Start now! Make your list! Make your budget! You'll be able to get the gifts you want sent via slower and cheaper shipping. The real crusher is when you wait and have no choice but to cough up for overnight shipping costs.
Don't Lose Your Mind With the Kids
Try Scott Alan Turner's rule of four: Give one want, one need, one wear, and one read.
Remember Your Intentions
Forgive the corny sentiment, but 'tis the season: it really is the thought that counts. This time of year, remember what's truly behind each gift you give.
"The point is to acknowledge that other person's positive influence on your life," writes Jennifer Wolf at The Spruce. "'Thank you' and 'I love you' are phrases that don't come with dollar amounts attached to them, so don't allow yourself to be caught up in spending more on holiday gifts than you can afford."
Over two years into the most momentous event in our lives the world has changed forever … Some of us have PTSD from being locked up at home, some are living like everything’s going to end tomorrow, and the rest of us are merely trying to get by. When the pandemic hit we entered a perpetual state of vulnerability, but now we’re supposed to return to normal and just get on with our lives.
What does that mean? Packed bars, concerts, and grocery shopping without a mask feel totally strange. We got used to having more rules over our everyday life, considering if we really had to go out or keeping Zooming from our living rooms in threadbare pajama bottoms.
The work-from-home culture changed it all. Initially, companies were skeptical about letting employees work remotely, automatically assuming work output would fall and so would the quality. To the contrary, since March of 2020 productivity has risen by 47%, which says it all. Employees can work from home and still deliver results.
There are a number of reasons why everyone loves the work from home culture. We gained hours weekly that were wasted on public transport, people saved a ton of money, and could work from anywhere in the world. Then there were the obvious reasons like wearing sweats or loungewear all week long and having your pets close by. Come on, whose cat hasn’t done a tap dance on your keyboard in the middle of that All Hands Call!
Working from home grants the freedom to decorate your ‘office’ any way you want. But then people needed a change of environment. Companies began requesting their employees' RTO, thus generating the Hybrid Work Model — a blend of in-person and virtual work arrangements. Prior to 2020, about 20% of employees worked from home, but in the midst of the pandemic, it exploded to around 70%.
Although the number of people working from home increased and people enjoyed their flexibility, politicians started calling for a harder RTW policy. President Joe Biden urges us with, “It’s time for Americans to get back to work and fill our great downtowns again.”
While Boris Johnson said, “Mother Nature does not like working from home.'' It wasn’t surprising that politicians wanted people back at their desks due to the financial impact of working from the office. According to a report in the BBC, US workers spent between $2,000 - $5,000 each year on transport to work before the pandemic.
That’s where the problem lies. The majority of us stopped planning for public transport, takeaway coffee, and fresh work-appropriate outfits. We must reconsider these things now, and our wallets are paying
the price. Gas costs are at an all-time high, making public transport increase their fees; food and clothes are all on a steep incline. A simple iced latte from Dunkin’ went from $3.70 to $3.99 (which doesn’t seem like much but 2-3 coffees a day with the extra flavors and shots add up to a lot), while sandwiches soared by 14% and salads by 11%.
This contributes to the pressure employees feel about heading into the office. Remote work may have begun as a safety measure, but it’s now a savings measure for employees around the world.
Bloomberg are offering its US staff a $75 daily commuting stipend that they can spend however they want. And other companies are doing the best they can. This still lends credence to ‘the great resignation.’ Initially starting with the retail, food service, and hospitality sectors which were hard hit during the pandemic, it has since spread to other industries. By September 2021, the US Bureau of Labor Statistics reported 4.4 million resignations.
That’s where the most critical question lies…work from home, work from the office or stick to this new hybrid world culture?
Borris Johnson thinks, “We need to get back into the habit of getting into the office.” Because his experience of working from home “is you spend an awful lot of time making another cup of coffee and then, you know, getting up, walking very slowly to the fridge, hacking off a small piece of cheese, then walking very slowly back to your laptop and then forgetting what it was you’re doing.”
While New York City Mayor Eric Adams says you “can't stay home in your pajamas all day."
In the end, does it really matter where we work if efficiency and productivity are great? We’ve proven that companies can trust us to achieve the same results — or better! — and on time with this hybrid model. Employees can be more flexible, which boosts satisfaction, improves both productivity and retention, and improves diversity in the workplace because corporations can hire through the US and indeed all over the world.
We’ve seen companies make this work in many ways, through virtual lunches, breakout rooms, paint and prosecco parties, and — the most popular — trivia nights.
As much as we strive for normalcy, the last two years cannot simply be erased. So instead of wiping out this era, it's time to embrace the change and find the right world culture for you.
What would get you into the office? Free lunch? A gym membership? Permission to hang out with your dog? Some employers are trying just that.
The rising trend of pet-friendly offices is part of the effort to incentivize employees to come back to work in person. Many companies completely embraced the remote-friendly convenience of WFH. Digital nomad culture emerged and “second cities” arose when people exited New York, San Francisco, and LA, and headed to Denver, Austin, Charlotte, Nashville, and Raleigh.
But now, employees and employers have a choice to make. The question now is: to return or not to return to the office? This is no longer about forcing employees to commute. Post The Great Resignation, employees feel more empowered to leave in-person positions and seek out remote jobs. So if offices want people to return, they’ve got to do a ton to entice their employees.
Some huge companies with giant operating budgets are not worried. With major perks like shiny facilities and full-service food bars, they feel comfortable requiring in-office work days — even if it’s for a hybrid week. But the solution might be simpler: pet-friendly workplaces.
The Allure of Pet-Friendly Offices
According to the Washington Post, pet-friendly workplaces are becoming a common solution to improve employee morale and appease the rising number of pandemic pet owners. “As offices start reopening and thousands of workers are being called back for the first time in two years, some companies are allowing employees to bring their pets. About 23 million American households adopted a pet during the pandemic, according to the American Society for the Prevention of Cruelty to Animals. Many workers say they find pet-friendly environments an important perk for their new furry family members. A recent survey conducted by Banfield Pet Hospital, owned by Mars Inc., showed that 57 percent of the 1,500 pet owners polled said they would be happiest returning to a pet-friendly workplace. Half of the 500 top executives surveyed said they are planning to allow pets at the office. Tech companies including Google, Amazon, and Uber plan to continue to allow dogs at their offices, even with their flexible office policies.”
With so many people adopting and fostering since the pandemic, becoming a pet parent is a trend. And to welcome these new additions into people’s lives, it makes sense for some workplaces to welcome them into the office.
After spending unlimited amounts of time at home, many pets grew greatly attached to their “parents” — and pet-parents feel the same about their pets. Rather than keeping them locked in the house while their caretakers head off to work, this is a mutually beneficial solution to the current separation anxiety faced by pets.
Pets have also been shown to boost happiness in pet owners. According to heart.org, “Studies show that dogs reduce stress, anxiety, and depression; ease loneliness; encourage exercise and improve your overall health. For example, people with dogs tend to have lower blood pressure and are less likely to develop heart disease. Just playing with a dog has been shown to raise levels of the feel-good brain chemicals oxytocin and dopamine, creating positive feelings and bonding for both the person and their pet.” Most likely, this might have a similar effect on people who bond with animals at work that don’t even belong to them, lending an overall mood boost to the office.
The controversy behind pet-friendly workplaces
However, not everyone is as enthusiastic about the prospect. Some would rather keep the office separate from their personal lives. Some are allergic to pets. And some people simply don’t like animals.
Offices considering pet-friendly policies are weighing the pros and cons to keep everyone happy. According to the Washington Post, clear guidelines and communication can increase the chances of success.
“Before making the jump, pet experts say that leaders should first understand whether their employees have interest in, or strong feelings against, having a pet-friendly office. Doing an anonymous survey may allow employees to freely share thoughts on the matter.”
Overall, the key to a policy like this is flexibility. “Be ready to adjust: Above all, pet-friendly offices should be ready to listen and adjust their policies as they go. What works for one office may not work for another, but experts say proper planning can lessen much of the burden.”
Ensure your office is actually suited to the pets you want to welcome. “A well-developed pet-friendly office should be both safe and welcoming to pets. That means companies should consider blocking off areas that could be dangerous to pets as well as making sure pets have access to clean water, food, and places to rest.”
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