Five financially sensible things to ask for Christmas this year

Getty Images

So, I’m new to the “living on my own” game and let me tell you — it’s been a pretty big struggle. I really never understood how much the little things cost until I moved out a couple years ago. That being said, I will take free things whenever I can get them.


Maybe you’re already established and comfortable in your life — good for you! However, it’s still useful to ask for things that you would otherwise have to buy for Christmas. Hey — I didn’t want to be an adult either, but that’s just the way things are.

Whether you’re a young adult or a fully-fledged old person, here are five major categories of presents you should include on your wish list.

1. Kitchen supplies

Giphy

Not only are quality pots and pans super expensive, but the little things count too — cutlery, appliances and tools all add up. Putting big items like a food processor or a slow cooker on your wish list takes the hassle and anxiety out of buying one for yourself.

Not to mention, kitchen supplies will last you pretty long — unlike that bottle of brandy you and your cousins killed in one night.

2. Music or movie and TV subscriptions

Giphy

Music, movies and television are all consumed by subscription nowadays — I couldn’t live without my Spotify, Netflix and HBO GO. Asking for a year’s — or a couple years’ if it’s cheap — subscription to an online streaming service will save you a ton of money.

Let’s face it — we can’t keep mooching off of our family’s accounts or creating new identities for free trials. So ask for a Netflix subscription instead of expensive headphones you can get super cheap knockoffs of.

3. Warm clothing

Giphy

Yet another unexpected expense in adult living — warm coats are expensive but needed for the northeast weather. Asking for a nice wool pea coat or a faux fur lined trenchcoat will ensure that you’ll be toasty warm for years to come.

Heck, why not even socks? Being the butt of so many Christmas jokes, it’s time that warm, fuzzy socks made its comeback. Both your feet and your bank account will thank you.

4. Gym Membership

Giphy

Ah yes, time for the dreaded New Year’s resolution — instead of wasting your own money on a gym membership you’ll only use two weeks into the year, why not ask for one instead? This way, maybe you’ll even feel guilty for not going and continue your doomed resolution.

Memberships are also usually on sale this time of the year — praying on the weak, no doubt. But who knows? Maybe you’ll stick it out this year.

5. Money towards an investment

Giphy

Do you have student loans creeping up behind you? Need to pay the rent to your swanky Brooklyn apartment soon? Why not ask for straight-up money for Christmas? Yes, it seems like a pretty shallow thing to do, but the holidays are for giving!

For my birthday, I asked my parents to pay that month’s rent so I would be worry-free and spent my money on other things I had been putting off. It’s not the most heartfelt present, but to me, paying off someone’s debt is pretty huge.

Of course, this list is definitely for families that are well-off or at least lower middle class. If your family and friends can’t afford these things, don’t be distraught if they buy you a cheap present or none at all. It’s important to keep in mind that the season is about coming together — while gifts are just an add-on.

string(5584) "

So, I'm new to the "living on my own" game and let me tell you — it's been a pretty big struggle. I really never understood how much the little things cost until I moved out a couple years ago. That being said, I will take free things whenever I can get them.


Maybe you're already established and comfortable in your life — good for you! However, it's still useful to ask for things that you would otherwise have to buy for Christmas. Hey — I didn't want to be an adult either, but that's just the way things are.

Whether you're a young adult or a fully-fledged old person, here are five major categories of presents you should include on your wish list.

1. Kitchen supplies

Giphy

Not only are quality pots and pans super expensive, but the little things count too — cutlery, appliances and tools all add up. Putting big items like a food processor or a slow cooker on your wish list takes the hassle and anxiety out of buying one for yourself.

Not to mention, kitchen supplies will last you pretty long — unlike that bottle of brandy you and your cousins killed in one night.

2. Music or movie and TV subscriptions

Giphy

Music, movies and television are all consumed by subscription nowadays — I couldn't live without my Spotify, Netflix and HBO GO. Asking for a year's — or a couple years' if it's cheap — subscription to an online streaming service will save you a ton of money.

Let's face it — we can't keep mooching off of our family's accounts or creating new identities for free trials. So ask for a Netflix subscription instead of expensive headphones you can get super cheap knockoffs of.

3. Warm clothing

Giphy

Yet another unexpected expense in adult living — warm coats are expensive but needed for the northeast weather. Asking for a nice wool pea coat or a faux fur lined trenchcoat will ensure that you'll be toasty warm for years to come.

Heck, why not even socks? Being the butt of so many Christmas jokes, it's time that warm, fuzzy socks made its comeback. Both your feet and your bank account will thank you.

4. Gym Membership

Giphy

Ah yes, time for the dreaded New Year's resolution — instead of wasting your own money on a gym membership you'll only use two weeks into the year, why not ask for one instead? This way, maybe you'll even feel guilty for not going and continue your doomed resolution.

Memberships are also usually on sale this time of the year — praying on the weak, no doubt. But who knows? Maybe you'll stick it out this year.

5. Money towards an investment

Giphy

Do you have student loans creeping up behind you? Need to pay the rent to your swanky Brooklyn apartment soon? Why not ask for straight-up money for Christmas? Yes, it seems like a pretty shallow thing to do, but the holidays are for giving!

For my birthday, I asked my parents to pay that month's rent so I would be worry-free and spent my money on other things I had been putting off. It's not the most heartfelt present, but to me, paying off someone's debt is pretty huge.

Of course, this list is definitely for families that are well-off or at least lower middle class. If your family and friends can't afford these things, don't be distraught if they buy you a cheap present or none at all. It's important to keep in mind that the season is about coming together — while gifts are just an add-on.

"

This Credit Card Myth Simply Will Not Die

I can’t remember who gave me this personal finance hack, or, rather, advice: but one juicy tidbit was that I should keep a balance on my credit cards and that it would up my credit score. I’ve even wiped out the balance on a credit card debt and then purchased something that I slowly pay

Creating A Distraction-Free Zone At Work

Photo by Arlington Research (Unsplash)

You’re powering through your morning. You’re in the zone. Getting so much done. But then you get Slacked with an innocent question: “Gotta moment to discuss the Jefferson thing?” “💯!” you answer instantly and get pulled off-task for 15- 20 minutes. And just before you’ve solved the Jefferson issue, your manager’s supervisor’s EA emails you

The Artists Vs. The Machine: The Dark Side Of AI In The Music Industry

Taylor Swift, The Tortured Poets Department

Republic Records

Artificial Intelligence (AI) has become overwhelmingly popular in the past few years. The world has leaned full-force into technology and entrusted AI with, well, everything. You can see AI commercials, AI-powered statistics during sports games, and there was even a whole writer’s strike over the AI Invasion of storytelling and Hollywood. As I’ve watched tens

So…The Hybrid Work Model Is Weighing On Your Mental Health

A majority of the population works from home...but are you happy about it?

Resume Genius via Unsplash

Ever since the pandemic popularized (or forced) virtual meetings and, countless companies adopted the hybrid work model or went completely virtual. And once the public health crisis was declared over, we remained confined to our desks in our kitchens and attics working from home. And it’s not just work. Doctor’s TeleHealth appointments, therapy visits on

The Worst Ways To Use Your Company Credit Card

If your business offers corporate credit cards or expense accounts to employees, there’s a good chance there is unethical spending going on. 33% of corporate credit card holders admit to blatantly defrauding the companies they work for, and twice that amount confess to making “risky purchases.” But a thread on AskReddit reveals some of the

The TRUTH About The Trad Wife Trend

Nara Smith, Lucky Blue Smith, and daughter Rumble Honey

Matthew Brookes / Oliver Peoples

Imagine this: you marry the man of your dreams. You have two beautiful children with another on the way. You spend your days cooking gorgeous, nutritious meals for your family…. from scratch. You get paid to share your daily life and meals with people around the world. But here’s the catch: half of those people

You’ve filed an extension, now what?

April 18 came and your taxes were not ready. So you filed a tax extension. Well, you should file an extension, if you haven’t already. Form 4868 is one of easier tax forms to fill out and it will give you an extra six months to get your taxes together. Everyone is eligible for a

The Unexpected Emergence of Personal Finance TikTok

When you think of personal finance, what springs to mind? Kevin O’Leary of Shark Tank fame? Dave Ramsay yelling into a podcast mic? Finance bros tracking their Bitcoin? Unfortunately, these are the images we’re constantly bombarded by. So they’re the archetypes overwhelmingly represented in personal finance. But it’s not all Chads in down vests and