Want to make a dream happen in 2020? Every January I hear people don’t have the money to make the choices they want in their life. This year, let’s prep ourselves to not overspend this holiday season, but actually save, to say yes to what we want most in the new year. Here’s our list of ideas, and we’d love to hear yours if you’ll chime in on this post @HilaryRushford! Ways to Save Money CLOTHING + STYLE Repurpose clothes Confidence to rewear Borrow/swap Identify the true holes for buying Shopping freeze  HOLIDAYS Use gift certificates Set a dollar amount on holiday gifts or draw names Don’t purchase any new holiday decor Avoid Black Friday Invite friends over instead of going out Simplify your holiday party Credit card points that can be redeemed Go in on a gift with another friend Electronic holiday card instead of printed ones Shop your home RECURRING CHARGES Reconcile your budget for recurring charges you aren’t using Swap gym membership for free YouTube videos Cancel landline, cable TV, only use cell phone + Netflix Limit TV subscriptions  Any bills can you re-negotiate for a better rate? Turn heat down a few notches to save on gas bill FOOD Limit how often you eat out Consider eating less meat and more vegetarian meals Switch to credit card that accumulates points for groceries  MISC Carpool to save gas or opt for plans where you can walk if possible Organize your closets/cupboards Swap babysitting/pet sitting with friends Ways to Make Money IF YOU DON’T OWN A BUSINESS Deliver fast food orders for a service, or drive Uber Sell stuff around your house Share in any groups you’re in that you’re looking to pick-up holiday work Write blog posts/articles for online writing services like TextBroker Find extra contract work on Upwork, Craigslist or Fiverr Find side gigs on TaskRabbit  Submit profile on babysitter sites like Care to find work on nights or weekends Sell your baking on local Facebook groups  Do you have a craft you can sell?  IF YOU OWN A BUSINESS Offer a holiday discount, 2-for-1 deal, referral discount, or discount for buying another as a gift for a friend Offer a new service, product, or course at a beta rate Look for under tapped audiences Consider other businesses that would be good partners for making referrals who you pay a commission Look for other businesses you believe in to make referrals and be paid a commission Do a pre-sale to raise funds before purchasing/making the inventory/product What are your helpful money saving or making tips? Bless us and read from others on this post @HilaryRushford. Is there a topic you want to discuss to have a more intentional 2020? Leave a voice memo at HilaryRushford.com/podvip.