9 Smart Strategies for Controlling Holiday Spending From Trusted Regina Financial Advisor Chris Worby at Worby Wealth Management

25. Nov 2023 Ashlyn Regina Financial Services, TRUSTED TIPS

Chris Worby is a Trusted Regina-based financial advisor and Wealth Management services provider. With over 20 years of experience, Worby Wealth Management has been committed to providing a high standard of financial service to individuals, families and business owners in Regina and area. Worby Wealth Management listens and provides a personalized financial plan. In their latest Worby Wealth Management Trusted Regina Financial Tip, Chris Worby provides 9 smart strategies for controlling holiday spending.

9 Smart Strategies for Controlling Holiday Spending

The holiday season is undoubtedly the most wonderful time of the year, but it can also be the most expensive. The costs can quickly add up between gift-giving, decorating, entertaining, and travelling. However, with a little planning and discipline, it’s possible to enjoy a festive Christmas without breaking the bank. In this blog post, we will explore some smart strategies to help you control your holiday spending and make the most of this joyous season without accumulating excessive debt.

1. Set a Realistic Budget
The first step in managing your holiday spending is to set a budget. Look closely at your financial situation and determine how much you can comfortably afford to spend without jeopardizing your financial well-being. Consider all aspects of your holiday expenses, including gifts, decorations, travel, and special events. Having a clear budget in mind will keep you on track and help you avoid impulsive spending.

2. Make a List and Prioritize
Once you have your budget in place, list the people you want to buy gifts for and the items you plan to purchase. It’s essential to prioritize your spending by allocating more money to loved ones and less to acquaintances or co-workers. Be thoughtful and practical when selecting gifts to ensure your money is well-spent.

3. Embrace Homemade Gifts
Making homemade gifts is one of the most heartwarming ways to control holiday spending. Handcrafted items, like homemade candles, knitted scarves, or baked goods, save money and show the thought and effort you’ve put into creating something special for your loved ones.

4. Take Advantage of Sales and Discounts
Keep an eye out for holiday sales and discounts in stores and online. Black Friday, Cyber Monday, and other seasonal promotions can help you stretch your budget. Planning ahead, creating a shopping list, and sticking to it when hunting for deals to avoid impulse purchases is essential.

5. Utilize Cash and Debit Cards
Credit cards can make holiday spending easy but also lead to overspending due to the allure of deferred payments. Instead, opt for cash or debit cards when shopping. This way, you can’t spend more than what’s in your account or within your set budget.

Spent too much on gifts 6. Track Your Spending
Keep a record of your holiday spending by maintaining a spreadsheet or using a budgeting app. This will help you stay accountable and prevent exceeding your budget. Regularly reviewing your expenses can also alert you to any areas where you might need to cut back.

7. Plan Your Meals and Entertainment
Holiday feasts and gatherings can put a significant dent in your budget. Plan your meals and entertainment well in advance, making a shopping list and seeking out affordable recipes. Consider potluck-style gatherings to distribute the cost among your friends and family.

8. Set Limits on Decorations
Decorations can be beautiful but costly. Consider limiting your spending on holiday decor, or make it a tradition to reuse decorations from previous years. DIY decorations can also be a fun and cost-effective way to add festive flair to your home.

9. Consider Charitable Giving
The holiday season is a time for giving, and it doesn’t always have to be in the form of material gifts. Consider allocating a portion of your budget for charitable donations to positively impact those less fortunate.

The holiday season is a time for joy, togetherness, and celebration. While gift-giving is a cherished tradition, it’s essential to do so in a way that aligns with your financial reality. By setting a budget, making a list, and being mindful of your spending, you can enjoy the season without accumulating excessive debt. Remember, the true spirit of giving is about love and connection, not the price tag of your gifts.

Contact Worby Wealth Management Regina so we can review your personal finances and estate planning needs today.

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The comments herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice in the context of your particular circumstances. This Blog was written, designed and produced by Chris Worby for the benefit of Chris Worby, a Financial Advisor at Worby Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this article comes from sources we believe are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the publication date and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell securities. Mutual Funds approved exempt market products and/or exchange-traded funds are offered through Investia Financial Services Inc.

Welcoming Anchor Managed Solutions As Your Trusted Regina IT Expert

15. Nov 2023 Trusted Regina Regina Computers & Web Design, Trusted Regina Directory , Trusted Regina new Trusted partner , TRUSTED TIPS

The Trusted Regina Team is delighted to welcome our newest Trusted Regina Partner, Anchor Managed Solution, to the Regina Computer and Website Design Category. Get to know all they do and meet the people behind the business in our latest Trusted Regina article welcoming a new partner to our Regina community of locally owned businesses operated with integrity! Anchor Managed Solutions Are Trusted Regina IT Experts.

Meet Saskatchewan IT Experts -Anchor Managed Solutions

The Trusted Regina community is thrilled to welcome a new business-to-business partner to our thriving business ecosystem.- Anchor Managed Solutions, established in 2014, has quickly risen to become one of North America's leading IT companies, specializing in supporting small and medium-sized businesses in the Saskatchewan region. With a dedicated team of experts and a commitment to providing top-tier IT solutions, Anchor Managed Solutions has proven itself a trusted partner for businesses needing tech support and guidance.

Meet the Visionaries: Andrew, Pat, and Shawne

Behind the remarkable success of Anchor Managed Solutions Ltd. are three passionate and dedicated local founders: Andrew Ouellette, Pat Kolysher, and Shawne Hancock. These leaders have collectively brought a wealth of experience and expertise to the company, making Anchor a standout choice for businesses seeking IT excellence in Saskatchewan.

Andrew Ouellette's extensive experience in IT spans a wide range of industries. His profound knowledge has been honed through numerous projects, including designs for prominent organizations in Saskatchewan, such as mining, telecom, and health regions. Andrew has earned the trust of technical leads throughout the area and has a well-deserved reputation for delivering exceptional IT solutions.

Pat Kolysher’s versatility in the IT field is impressive. He excels in software programming, IT recruitment, business development, and account management. He holds a Six Sigma Green Belt Certification, showcasing his commitment to excellence. His history of providing software support to healthcare institutions, including the U.S. Department of Defense, demonstrates his dedication to developing innovative programs that meet the specific needs of businesses in our province.

Shawne Hancock's journey in the IT industry dates back to the late 90s and has taken him through various roles, from desktop support to managing one of Saskatchewan's largest help desks. His exceptional leadership and time management skills, shaped by his experience in the Canadian Forces, have been invaluable. Now, as the Chief Operating Officer of Anchor Managed Solutions Ltd., Shawne uses his expertise to ensure efficient operations and services for their clients.

Anchor Managed Solutions has brought a wave of change to many businesses in Saskatchewan, serving as a guiding light through the complex world of technology. Their award-winning Help Desk operates 24/7/365, providing the support you need whenever you need it. But Anchor offers more than just tech support. They provide a range of professional services, including project management, scoping, and planning. Their advisory services help with policy development and compliance, ensuring your business stays on the right track.

What their clients say…..

“ We have been with Anchor Managed Solutions since their early beginnings. In the area of IT there can be so many things that come up and there have been bumps in the road but they have always made things better. I really feel like they have our backs. They will get to work when issues arise and do whatever it takes to take care of things as quickly as possible. I am pleased with our partnership with Anchor Managed Solutions and that is why we have been with them for so long.”
- Diana Perviera.

In addition to their comprehensive IT support, Anchor Managed Solutions offers their clients procurement services. Whether you need hardware, software, or online store membership and discounts, Anchor has you covered!

Anchor Managed Solutions is a proud Indigenous-owned Saskatchewan company. This distinction signifies a commitment to diversity, inclusion, and empowering Indigenous peoples in business. As an Indigneous-owned enterprise, Anchor Managed Solutions contributes to the region's economic development and promotes cultural awareness and social responsibility. It is a testament to the potential for success and collaboration in an increasingly diverse and interconnected global economy. It demonstrates that when businesses prioritize Indigenous ownership and values, they enrich the fabric of their communities and foster a more inclusive and equitable society.

But what truly sets Anchor Managed Solutions apart is their teams’ proactive approach to IT and cybersecurity. They are dedicated to taking the burden of technology management off your shoulders so you can focus on what truly matters – growing your business. Their tagline, "IT Done Right," reflects their commitment to excellence and their promise to deliver IT solutions that truly work for you.

Welcome Anchor Managed Solutions Ltd to the Trusted Regina Community.

Welcoming Regina Legion Branch 001 to the Trusted Regina Community As A Trusted Regina Non Profit

26. Oct 2023 Trusted Regina Regina Non-Profits, Trusted Partner News, Trusted Regina new Trusted partner

The Trusted Regina team is thrilled to announce a new category in 2023- Trusted Regina NON-PROFITS! This is such a good fit for us, as we have always had a strong community focus. Trusted was proud to be recognized as the Saskatchewan Chamber of Commerce ABEX Award for Community recipient in 2017. In 2023, we felt it was time to extend the love, and we are revealing the second of our three Trusted Regina Non-profits. We are excited to announce that Regina Legion Branch 001 is our second Trusted Regina non-profit partner.

A Long History Of Supporting Veterans

In 1926, history was made when the Regina Legion Branch was issued its charter, marking it as the very first branch of the Royal Canadian Legion. Nestled at 1820 Cornwall Street, this historical institution has served as a pillar of support and a home away from home for our nation's heroes. Today, we proudly welcome Regina Legion Branch 001 to the Trusted Regina community as a Trusted Regina Non-profit, recognizing their invaluable contributions to our society.

Trusted Regina Lending A Helping Hand Where It Is Truly Needed

The past few years have been exceptionally challenging for the Regina Legion, as the global pandemic disrupted their operations and gatherings. Coupled with an aging demographic, regaining past membership numbers, volunteers, and sponsors has proven to be an uphill battle. Nevertheless, the Regina Legion Branch 001 membership remains unwavering in its dedication to its mission.

The Royal Canadian Legion was founded by Veterans for Veterans, and the Regina Legion continues to passionately advocate for the care and benefits of all who have served, regardless of when or where they served. This dedication extends to the currently serving Canadian Armed Forces, RCMP, and their families. The Regina Legion offers them representation and assistance, and access to these crucial services is provided at no cost, whether or not individuals are Legion members.

Legion Branches serve as the heart of communities across Canada, providing one of the largest volunteer bases in the nation. With 1,350 Branches spread from coast to coast, Legion members are pivotal in offering local services and support that contribute to building a stronger Canada. Their multifaceted efforts include assisting local Veterans, supporting seniors, initiating youth sports programs, fundraising, volunteering to aid those in need, and providing a welcoming space for gatherings, fun, and celebration. In essence, Legionnaires offer indispensable services within their communities.

Moving Forward

The Trusted Regina team and our community stand alongside the Regina Legion Branch 001. We hope to provide support and increase community engagement and awareness that will, in time, help pave the way for their future growth and revitalization. Exciting developments are underway, such as the newly renovated event space, grants to get them back on track, and soon the re-opening of their museum; if you have not yet had the chance to witness the stunning interior of their building on Cornwall Street, prepare to be amazed by its historical significance and beauty.

As Trusted Regina welcomes the members of Regina Legion Branch 001 to our community, we also extend our heartfelt gratitude for their unwavering commitment to our Veterans and the broader community. The Legion has been an essential part of our country's history and is vital in shaping our future. Together, we can continue to ensure that the legacy of service, sacrifice, and support lives on.

Regina, help us help Regina Legion Branch 001 go from surviving to thriving. Their work is too important, and to do it well, they need community support!

'Let's Make A Difference Together'

Regina Legion Branch 001 Is A Trusted Regina Non-Profit

The Trusted Community Welcomes The Kinsmen Foundation -TeleMiracle As The First Trusted Regina Non Profit

24. Oct 2023 Trusted Regina Trusted Partner News, Trusted Regina Directory , Trusted Regina new Trusted partner

The Trusted Regina team is thrilled to announce a new category in 2023- Trusted Regina NON-PROFITS!

This is such a good fit for us, as we have always had a strong community focus. Trusted was proud to be recognized as the Saskatchewan Chamber of Commerce ABEX Award for Community recipient in 2017.

In 2023, we felt it was time to extend the love, and we are revealing the first of our three Trusted Regina Non-profits. We are excited to announce that The Kinsmen Foundation - TeleMiracle is our first-ever Trusted Regina non-profit partner.

The Trusted Regina team is thrilled to welcome the Kinsmen Foundation - TeleMiracle to the Trusted Regina community.

We are grateful to have a wonderful relationship with the folks at The Kinsmen Foundation here in Saskatoon. Our sister company, Trusted Marketing Services, has been working with The Foundation for the last ten months, helping them with social media and other marketing pieces, and a past Trusted Saskatoon team member, Carman Praski, is the Fund Development Manager. Carman introduced us to the organization in 2022, and we are in awe of all they do for this province! We look forward to helping them reach even more people through our networks and assisting them in raising as much money as possible through the 2024 TeleMiracle Telethon, which takes place in Regina on February 24th and 25th.

"Ring Those Phones"

TeleMiracle, the beloved annual telethon, has been a cornerstone of Saskatchewan culture for decades, raising millions of dollars to support people in need. As we open our hearts and arms to the incredible team at TeleMiracle, let's explore the history of this iconic event and its remarkable impact on the people of Saskatchewan.

The TeleMiracle Legacy

The history of TeleMiracle stretches back to 1977, when it was first introduced as an annual telethon organized by the Kinsmen and Kinettes of Saskatchewan. Over the years, it has become a cherished Saskatchewan tradition, as much a part of the province's cultural fabric as wheat fields and prairie sunsets.

Every year, TeleMiracle unites people across Saskatchewan with a shared purpose: to raise funds to support individuals with medical expenses, special needs, and mobility challenges. The telethon is more than just a fundraiser; it is a symbol of hope, unity, and the indomitable spirit of the people of Saskatchewan.

The Impact of TeleMiracle

TeleMiracle's impact on Saskatchewan cannot be overstated. The funds raised through this annual event go to support a wide range of programs and services, including medical equipment, travel assistance, and other vital resources for individuals facing life-altering challenges. See an example of their impact in the video below.

The Kinsmen Foundation, through TeleMiracle, has played a crucial role in transforming lives and providing much-needed assistance. Many families and individuals have found hope and relief through their initiatives. The positive impact of TeleMiracle extends not only to those directly assisted but also to the entire province. It reflects the compassion and generosity that define the Saskatchewan community.

A Team with Huge Hearts

At the heart of TeleMiracle's success is the dedicated team of dedicated individuals working tirelessly to make it all happen. The Kinsmen Foundation's dedicated employees, who work tirelessly behind the scenes all year, the Kinsmen and Kinettes of Saskatchewan, along with countless volunteers, have shown unwavering commitment and enormous hearts in their efforts to organize the annual TeleMiracle telethon. They embody the spirit of Saskatchewan, where people come together to help one another, where communities rally in times of need, and where kindness knows no bounds.

This exceptional team exemplifies the very essence of Trusted Saskatoon, where businesses and organizations that are committed to their community and share a genuine desire to make a positive impact are celebrated.

“The Kinsmen Foundation is an amazing organization with a genuine mission to help Saskatchewan residents with miracles of mobility equipment and much needed financial support when they have nowhere else to turn. I’m so humbled and grateful to be able to give my time and talents to making our province a better place, one individual and one family at a time. TeleMiracle is truly rooted in Saskatchewan with such a long-standing tradition of success, and without our generous TeleMIracle donors, who are our true Miracle Makers, we couldn’t do what we do in Helping People Every Day. Thank you, Saskatchewan!” – Carman Praski, Fund Development Manager, Kinsmen Foundation

As we welcome the Kinsmen Foundation's TeleMiracle to TrustedRegina as a Non-Profit, we embrace not only a tradition but a symbol of hope, unity, and the incredible spirit of Saskatchewan. TeleMiracle has touched countless lives, providing assistance, support, and a beacon of hope to those who need it most. We look forward to supporting their continued efforts and to standing alongside this incredible team. In an ever-changing world, it's comforting to know that the values of compassion, community, and a willingness to lend a helping hand remain unwavering in Saskatchewan. TeleMiracle is a shining example of these qualities. We salute the Kinsmen and Kinettes of Saskatchewan and all who contribute to this incredible endeavour. Together, we'll continue to positively impact our province, as their motto says...

'Helping People Every Day'

Kinsmen Foundation - TeleMiracle is a Trusted Regina Non-Profit

Festive Real Estate Tip From Trusted Regina REALTOR® James Wruth

21. Oct 2023 Ashlyn Regina Real Estate, TRUSTED TIPS

James Wruth is one of Regina’s most trusted and top-selling Realtors. A member of RE/MAX Crown Real Estate since 2006, James works with families, individuals, investors, and developers in the purchase and sale of residential properties. Since 2006, James has been a consistent Top Producing Realtor, and he has been awarded numerous prestigious distinctions including RE/MAX 100% Club distinction, Platinum Sales Award, and Remax Hall of Fame induction. James Wruth is a Trusted Regina Real Estate expert.

Real Estate Tips Focusing On The Festive Season

I believe that relationships are more important than transactions. I started a career in real estate in 2006, and since that time I have built a Regina real estate business around that philosophy. My goal is a personalized one-on-one service to fully understand you, and your real estate goals, and to be 100% accountable to you. My latest real estate tip is a festive-focused one!

As the winter season moves in, navigating the real estate market in Saskatchewan can present unique challenges. Here's a valuable tip from your Regina expert Realtor to help you make the most of this season when buying or selling your home:

Embrace Winter Curb Appeal

While it's true that the vibrant colours of spring and summer might not be as prominent in December, there's a unique charm to a winter landscape that you can use to your advantage. Make your property stand out with these strategies:

Snow Removal: Remove your driveway, walkways, and entrance from snow and ice. Buyers will appreciate easy access to your home, showing you're diligent about maintenance.

Exterior Lighting: With shorter daylight hours, outdoor lighting becomes crucial. Consider adding some well-placed, tasteful lights to create a warm and inviting atmosphere during showings, especially in the evenings.

Winter-Ready Landscaping: Highlight the beauty of your yard even in winter. Place potted evergreens, winter-blooming plants, or seasonal decorations near your entrance to create a welcoming first impression.

Comfort and Warmth: When showing your home set a cozy and inviting atmosphere indoors. Use throw blankets, warm colours, and even a lit fireplace if available. Make potential buyers feel at home as soon as they step inside.

Clear Gutters and Downspouts: Make sure your gutters are free of leaves and debris. This ensures proper drainage and prevents icicles from forming, which could deter potential buyers.

Heating and Insulation: Highlight the energy efficiency and effectiveness of your home's heating system. A warm and comfortable home is a major selling point during the chilly Saskatchewan winter.

Staging: Emphasize Space - With holiday decorations, it's easy for homes to feel cluttered. Keep your decorations tasteful and minimal so potential buyers can appreciate the space.

Flexible Showings: Be accommodating with your showing schedule. With the holidays and potential weather disruptions, it might be necessary to be flexible with showing times.

Selling or buying a home in December in Regina, Saskatchewan, can be a unique and rewarding experience. The key is to embrace the season and use it to your advantage. By following these tips, you can make the most of the winter real estate market and find the perfect home or buyer for your property.

Partner up with me, I’m a top Regina RE/MAX Agent, and an experienced Regina REALTOR®

If you are looking for a Regina Realtor who works tirelessly on your behalf and always offers honest and candid advice, James will be an expert at your side.

Sell Your Home For The Best Possible Price, With The Least Amount Of Time and Stress!

Trusted Tips & Resources

9 Smart Strategies for Controlling Holiday Spending From Trusted Regina Financial Advisor Chris Worby at Worby Wealth Management