Holiday Crunch
Dear Dr. Per Cap:
I blew through my whole holiday budget and still need a few gifts for friends and family. Any cheap gift ideas?
Signed,
Holiday Scrambler
Dear Scrambler:
Nothing says Merry Christmas like an I-O-U note stuffed in a stocking.
Relax. My idea isn’t that tacky. Get on your laptop or grab a nice sheet of paper and a pen and create some personalized I-O-U coupons that won’t cost you a dime today or tomorrow.
Got a friend with a dog? Make a coupon for a few free dog walks. It’ll only set you back a couple of hours and who knows – you might enjoy spending time with a faithful pet you don’t have to feed every day.
How about a spouse or parent that could use a break from household chores? They’ll be sure to appreciate a handful of coupons for free dishwashing, lawn cutting, vacuuming, or garage cleaning. Well maybe garage cleaning is taking it a bit too far but you get the idea.
Or maybe you have a romantic partner who values your time more than any item you could buy in a store or online. Never fear – a coupon for an evening stroll or a foot massage might be the perfect gift for that special snag.
You got this. Use your imagination and create an I-O-U for everyone still on your shopping list. And if you need a little artistic inspiration, here’s a sample certificate to fill out and clip. Who says no one writes checks anymore!
Funded by First Nations with support from the FINRA Investor Education Foundation, it's important to note that the content provided does not constitute professional or financial advice, and Dr. Per Cap is not a licensed investment advisor. Questions can be directed to Dr. Per Cap at [email protected].
"I sincerely hope my work inspires others as we continue to foster economic empowerment through education, innovation and self-reliance for both present and future generations.”
Shawn Spruce, Champion of Financial and Investor Education in Native Communities, Host of Native America Calling
