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Use February’s Holidays To Your Financial Advantage

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Written by Preeti Nath

Most of us recognize February as the month we observe Black History, celebrate our loved ones with Valentine’s Day, and determine the severity of Texas’ winter with Groundhog Day. So, it may come as a surprise to learn there are a lot more holidays observed during the 28 days of February.

Nowadays, everything gets its official event, from grapefruits and cherries to sarcasm and eye exams. Whether they’re all deserving of the attention remains to be seen. None will match Black History month in terms of cultural or historical significance, but that’s not to say they’re without value. Some of the lesser known events hosted in February are strange, but you can keep your finances on track by observing 4 of its more unusual holidays.

Canned Food Month —

It’s time to give appreciation for those tins you’ve stockpiled in your pantry. They can do a lot for your kitchen and your budget. Canned fruits and vegetables allow you to get produce that’s out of season at an affordable price, so you don’t have to sacrifice nutrition to save money on your grocery bill. They can also help you save a lot of time at the oven, as you can purchase ready-made meals in can form. And don’t worry about leaving them to gather dust. They have an incredibly long shelf life that makes your dollar stretch.

Canned Food

Creative Romance Month —

This month-long holiday encourages us to add a little romance to our daily lives. In many ways, it’s a refreshing alternative to Valentine’s Day, which has been commercialized to such a degree over the years that it can take a huge bite out of your wallet. Brainstorm all the ways you can show your partner how much you love them without spending a dime. Taking over chores, making a love coupon booklet, and writing sweet notes are just a few inexpensive examples of how you can show them you care.

Romance Month

National Bake for Family Fun Month —

The original purpose behind this holiday is to get families bonding over baked goods, but it can be co-opted by the frugal. We have a habit of piling unnecessary treats packed with sugar into our shopping carts. Not only is this habit bad for our health, it’s bad for our budgets.

By spending a weekend afternoon baking a batch of brownies or a dozen muffins, you can cut down on the amount of money you spend on Oreos, Zebra Cakes, and Twinkies. Take a look at this cheat sheet comparing the cost of bought treats versus homemade sweets. Homemade brownies are only 12 cents each and muffins only 11.5 cents each when made from scratch.

Bake

National Library Lovers Month —

Libraries don’t get enough credit for the services they provide. In addition to their catalogue of books and movies, they organize free events, put on educational programs for all ages, preserve historical artefacts, offer a safe place for the community to meet, and offer business resources for entrepreneurs. They’re also one of the few remaining public places you don’t have to pay to visit, so it’s a great place to take the family when money is tight.

Library

Money fluctuates, after all. Whether it happens in February or later in the year — whether you follow these tips or you don’t — you’ll find your paycheck doesn’t always spread as far as it needs to go. A collection of bills and repairs can drain your savings and leave you wondering how you’ll pay for household necessities.

When that happens, Texans like you can get installment loans from MoneyKey, a state-licensed Credit Access Business (or CAB, for short). Their installment loans typically don’t exceed $1,000, so they’re great for small, non-recurring responsibilities that crop up throughout the year.

Their main advantage is their flexible repayment terms that let you pay back your loan in small portions spread out over a series of weeks. When your repayments take up less of your bi-weekly or monthly paychecks, you won’t have to worry about jeopardizing your finances to repay your loan.

Piggybank

A financially sound strategy for your budget involves a lot of flexibility. Between creative thinking regarding the various holidays America celebrates and financially responsible installment loans, there’s a way to keep on track whatever the time of year.

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Preeti Nath

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