Saturday, December 7, 2013

25 Days of #HotHolidayHints: Day 7 with C.R. Moss @CRMoss

Author C.R. Moss joins 25 Days of Hot Holiday Hints with a fantastic tip for saving for the holidays! Be sure to leave a comment for C.R. because we are giving away a $5 gift card to one random commenter each day!

The holiday season can be a stressful time with family gatherings, parties, travel, and expenses. This time of year is said to be the number one time when people go a bit crazy with their spending, end up going over budgets—that is if they have them—and becoming even more stressed. So how does one keep stress about finances during this busy season low? A monthly savings plan!
Years ago, a bank my family and I used had a special kind of savings account—a holiday savings plan—you could open and use. Each week or month you could put away an amount you designated, and then when the holidays came around, you had a nice holiday spending fund. They even had special envelopes for deposits.
The good thing is you don’t need a ‘special’ bank account. You can either open an additional savings account or keep a growing amount in your checking account or take out cash and stash it away in an envelope at home. First thing to do is create a budget. Find out what you spent in the past few years, add up the cost of the items you spent money on and take an average of the sum. If you want to start clean, that’s fine. Figure out what and who you’ll be shopping for and how much you want to spend amongst the people and things. Once you have a sum, you’ll create the savings plan. This is done by taking the averaged sum, or the projected sum, and dividing it by eleven. This is the amount you’ll save each month from January to November, so by the time you’re ready to shop you’ll have the cash you need. :) 

Happy Holidays! C.R. Moss

C.R. Moss is the author of Lovers and the Fiend from our Naughty Fairy Tale line...

The LVH Underground, 1

Ex-cop turned private investigator, Jack Vorst, learns his elf girlfriend Kristina has been missing for a few days after being invited to an underground vampire club. He, too, is summoned to visit club Hexenringe and is taken captive.
Jack finds Kristina bound and gagged in a human-sized bird cage. They’re thrust into a kinky world at the hands of Kol, the club owner. Kol, a vampiric beast, shifts into human form to be with Jack and Kristina. He needs them to remember their pasts and to love him so he can return to what he used to be.
Can Kol make the pair fall in love with him despite his current situation and the fact he’s keeping them captive? Or will Jack and Kristina leave, making it too late for him to change all their fates?

Be Warned: BDSM, anal sex, sex toys, menage sex, forced seduction, public exhibition, m/m sex

Buy it here!


amy bowens said...

What I normally do is start my Christmas shopping early, however I also like your idea too. It does help to save through the year for presents so you don't have to figure out how to pay for everything all at once. Love the cover of your book and the blurb sounds very interesting. thanks and have a merry Christmas!

C.R. Moss said...

Thanks for stopping by Amy! Yes, shopping early is another good idea. You have a Merry Christmas, too! :)

Alisa Jenkins said...

Merry Christmas!

C.R. Moss said...

Merry Christmas to you, too, Alisa!

elaing8 said...

Great tip. I need to do something like this. I never budget and go way over board.
Happy Holidays!

C.R. Moss said...

Happy Holidays, Elaing8! Glad you liked the tip. :)

Jessica Hale said...

i do the birthday and christmas shopping all through the year


C.R. Moss said...

That's somewhat similar to the savings plan. Instead of putting the money away, you're using it during the year. Thanks for stopping by Jessica!