How to Save Up for the BER Months

Introduction

The “BER months” – September, October, November, and December – mark the beginning of the most exciting time of the year, especially for Filipinos. As soon as September hits, holiday decorations appear, Christmas carols fill the airwaves, and the spirit of giving takes over. While this season brings joy and celebration, it can also put a strain on our finances. The pressures of gift-giving, holiday feasts, and social events can add up, making it important to prepare and save as early as possible.

Set Clear Financial Goals for the Season

he first step in saving for the BER months is to set clear and achievable financial goals. Consider what the season means to you and how much you plan to spend on gifts, travel, gatherings, or any charitable activities. Having a detailed list of your financial goals can help you determine how much you need to save and how long it will take you to reach your target.

Start by estimating the total cost of your holiday plans. This could include expenses for:

• Gifts for family, friends, and colleagues
• Holiday decorations and Christmas trees
• Travel and accommodations if you plan to visit loved ones
• Festive meals and gatherings

Once you have a rough estimate, break it down into smaller weekly or monthly savings goals. By setting aside a portion of your income each week, you can spread out the financial load and avoid the need for last-minute borrowing or credit card debt.

Create a BER Months Savings Plan

With your financial goals in place, the next step is to create a savings plan. Decide how much you can comfortably set aside each month leading up to the holiday season. If you start saving in September, you’ll have four months to build up a holiday fund.

One effective way to ensure you’re saving regularly is by automating your savings. Set up a separate savings account specifically for your holiday expenses, and arrange for automatic transfers to that account. Even small, consistent contributions can add up quickly over the course of a few months.

Additionally, take a close look at your current budget and identify areas where you can cut back. For example, you could:

• Reduce unnecessary dining out or entertainment expenses
• Limit impulse purchases
• Avoid buying new clothes or gadgets unless necessary

Every peso you save can go directly towards your holiday fund, ensuring you’re financially ready when the season arrives.

Shop Early and Smart

One of the best ways to save money during the BER months is by shopping early and taking advantage of sales and discounts. Many retailers offer promotions and deals as early as September, so keep an eye out for opportunities to purchase gifts, decorations, and holiday essentials at lower prices.

Shopping early also gives you more time to compare prices and avoid the rush that often leads to overspending. Consider these strategies for smarter shopping:

• Make a gift list: Write down all the people you need to buy gifts for and stick to a budget for each person.
• Take advantage of sales: Keep track of online sales events such as 9.9, 10.10, and 11.11, where many e-commerce platforms offer significant discounts.
• Use loyalty programs and cashback offers: Many stores and credit cards offer rewards, points, or cashback for purchases. Take advantage of these programs to get more value for your money.

By planning your shopping early and looking out for deals, you can save significantly on your holiday purchases.

Prepare DIY Gifts and Personalized Presents

Not all gifts have to be expensive to be meaningful. In fact, some of the most cherished presents are those that come from the heart. Consider creating DIY gifts or personalized presents that show thoughtfulness and effort. These can often be more affordable than store-bought items while also making a lasting impression.

For example:

• Handmade crafts, photo albums, or baked goods can be wonderful gifts for family and friends.
• Personalized items such as engraved jewelry, custom mugs, or framed photos add a special touch without breaking the bank.
• You can also offer non-material gifts like experiences – such as a home-cooked meal, a movie night, or a picnic – which cost less but provide unforgettable memories.

By investing time and creativity, you can create heartfelt gifts that don’t put a strain on your wallet.

Save More by Becoming a Memorial Care Consultant

While saving up for the BER months is essential, you can boost your savings even more by becoming a Memorial Care Consultant (MCC) with Golden Future Life Plans. This opportunity not only allows you to help others prepare for the inevitable through affordable and comprehensive life plans, but it also offers a rewarding side income.

As a Memorial Care Consultant, you’ll earn commissions for every life plan you sell, giving you the chance to grow your income in time for the holiday season. Whether you’re working full-time or part-time, this flexible role allows you to manage your time while building a meaningful career in the memorial planning industry.

What’s more, the additional earnings can help you cover the costs of your holiday spending without tapping into your savings. You’ll also have the satisfaction of providing families with peace of mind through well-planned memorial services, which is a gift in itself.

Be a Memorial Care Consultant Today. If interested, contact us today.