{"id":4074,"date":"2012-11-23T09:38:18","date_gmt":"2012-11-23T14:38:18","guid":{"rendered":"http:\/\/pierreroy.com\/?p=4074"},"modified":"2014-11-09T21:37:36","modified_gmt":"2014-11-10T02:37:36","slug":"a-low-cost-christmas","status":"publish","type":"post","link":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/","title":{"rendered":"A Low Cost Christmas!"},"content":{"rendered":"<p>Celebrating Christmas without breaking the bank account \u2013 is it actually possible? <a href=\"\/en\/\">Pierre Roy &amp; Associates<\/a>, advisors in financial restructuring and bankruptcy trustees, propose a few tips to limit the consequences of the holiday season on your family budget. The multiplication of gifts offered, invitations that accumulate left and right, numerous trips made, the purchase of a new sports blazer for \u201cMr.\u201d and the ravishing dress for \u201cMs.\u201d inevitably entails additional pressure on the family budget.<!--more--><\/p>\n<p>According to the latest survey conducted by the Altus Group for the Quebec Retail Council on buying behaviours of Quebecers for the 2012 holiday season, the amount that Quebecers expect to spend in gifts will be on average $676 per household. Thus, Quebecers will give gifts to an average of 7.1 people in 2012, an increase from 2011 (6.7 people).<\/p>\n<p>For comparative purposes, the most recent index of the RBC Canadian Consumer Outlook reveals that Canadians are expected to spend an average of $1,182 over the holidays, including $629 in gifts.<\/p>\n<p>Since the affection that one has for another has nothing to do with the monetary value of a gift offered, giving a gift certificate is often a sensible solution to permit better budget control. <strong>So what would be some other solutions?<\/strong><\/p>\n<p>It\u2019s now acceptable for each guest to participate in preparing a festive evening. Have you envisioned the possibility of organizing a New Year\u2019s Eve meal according to the <strong>\u201ccommunity\u201d <\/strong>model? So don\u2019t hesitate to seek the talents of everyone! A little planning is required. Establish the menu and divide the tasks. Time and money savings guaranteed!<\/p>\n<p>Pooled procurement, derived from the term <strong>\u201cteam buying\u201d, <\/strong>is also a relevant solution. <strong>Groupon, Tuango and LivingSocial <\/strong>are a few major industry players. You could, for example, spend $29 to offer body care that\u2019s worth $69, thus protecting your budgetary limits while allowing your loved-one to benefit from a value-added gift.<\/p>\n<p><strong>It\u2019s also possible to enjoy substantial savings on the Internet <\/strong>through <strong>exclusive promotions<\/strong>, by opting for <strong>free delivery<\/strong>, by using <strong>sales price comparisons <\/strong>and by sharing wishes through e- cards. Consumers seem to have well understood! According to a recent survey by the firm Angus Reid for the FedEx Corp., 55% of Canadians turn towards <strong>e-commerce <\/strong>during the festive season. Canadian consumers who are the most likely to make online purchases live in Alberta (70%) and British-Columbia (67%).<\/p>\n<p><strong>The Importance of Budgeting<\/strong><\/p>\n<p>The team at Pierre Roy &amp; Associates wishes to remind you of the importance of respecting your established budget during the holiday season, with the aim of avoiding <strong>excessive debt <\/strong>accumulation that can sometimes arise during this festive period. Christmas or not, it\u2019s better to limit your future debt and take action to quickly attack the reimbursement of debts that are actually tarnishing your <strong>balance sheet.<\/strong><\/p>\n<p>The proposition of a dealer who suggests that you buy the television of your dreams through <strong>financing <\/strong>over 72 months is far from attractive, especially if your budget only allows you to purchase a standard 27-inch TV!<\/p>\n<p>In conclusion, it\u2019s necessary to remember that the <strong>credit card <\/strong>is only beneficial to the consumer if the entire balance is paid off monthly, thus avoiding the quasi-usurious rates billed by the issuing institutions.<\/p>\n<p><strong>Our Best Wishes for Your Prosperity!<\/strong><\/p>\n<p>We take this opportunity to convey our best wishes for the holiday season. Enjoy fully this moment of respite for you together with your family in the spirit of sharing and simplicity. May this Christmas live up to your expectations. Let the Year 2013 be a reflection of your wildest dreams, and may it be the revival of a sound and improved personal financial situation.<\/p>\n<p><em>Translated by Priscilla Biju Then<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Celebrating Christmas without breaking the bank account \u2013 is it actually possible? Pierre Roy &amp; Associates, advisors in financial restructuring and bankruptcy trustees, propose a few tips to limit the consequences of the holiday season on your family budget. The multiplication of gifts offered, invitations that accumulate left and right, numerous trips made, the purchase [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":4084,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-4074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>A Low Cost Christmas! - Pierre Roy &amp; Associ\u00e9s<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Low Cost Christmas! - Pierre Roy &amp; Associ\u00e9s\" \/>\n<meta property=\"og:description\" content=\"Celebrating Christmas without breaking the bank account \u2013 is it actually possible? Pierre Roy &amp; Associates, advisors in financial restructuring and bankruptcy trustees, propose a few tips to limit the consequences of the holiday season on your family budget. The multiplication of gifts offered, invitations that accumulate left and right, numerous trips made, the purchase [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/\" \/>\n<meta property=\"og:site_name\" content=\"Pierre Roy &amp; Associ\u00e9s\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PierreRoySyndic\" \/>\n<meta property=\"article:published_time\" content=\"2012-11-23T14:38:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2014-11-10T02:37:36+00:00\" \/>\n<meta name=\"author\" content=\"Dominique Lamy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@pierreroysyndic\" \/>\n<meta name=\"twitter:site\" content=\"@pierreroysyndic\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Dominique Lamy\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/pierreroy.com\\\/en\\\/2012\\\/11\\\/a-low-cost-christmas\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pierreroy.com\\\/en\\\/2012\\\/11\\\/a-low-cost-christmas\\\/\"},\"author\":{\"name\":\"Dominique Lamy\",\"@id\":\"https:\\\/\\\/pierreroy.com\\\/#\\\/schema\\\/person\\\/561a11024c70addee383cb870d3e59b5\"},\"headline\":\"A Low Cost Christmas!\",\"datePublished\":\"2012-11-23T14:38:18+00:00\",\"dateModified\":\"2014-11-10T02:37:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/pierreroy.com\\\/en\\\/2012\\\/11\\\/a-low-cost-christmas\\\/\"},\"wordCount\":605,\"image\":{\"@id\":\"https:\\\/\\\/pierreroy.com\\\/en\\\/2012\\\/11\\\/a-low-cost-christmas\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"inLanguage\":\"en-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/pierreroy.com\\\/en\\\/2012\\\/11\\\/a-low-cost-christmas\\\/\",\"url\":\"https:\\\/\\\/pierreroy.com\\\/en\\\/2012\\\/11\\\/a-low-cost-christmas\\\/\",\"name\":\"A Low Cost Christmas! - Pierre Roy &amp; Associ\u00e9s\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pierreroy.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/pierreroy.com\\\/en\\\/2012\\\/11\\\/a-low-cost-christmas\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/pierreroy.com\\\/en\\\/2012\\\/11\\\/a-low-cost-christmas\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2012-11-23T14:38:18+00:00\",\"dateModified\":\"2014-11-10T02:37:36+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/pierreroy.com\\\/#\\\/schema\\\/person\\\/561a11024c70addee383cb870d3e59b5\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/pierreroy.com\\\/en\\\/2012\\\/11\\\/a-low-cost-christmas\\\/#breadcrumb\"},\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/pierreroy.com\\\/en\\\/2012\\\/11\\\/a-low-cost-christmas\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/pierreroy.com\\\/en\\\/2012\\\/11\\\/a-low-cost-christmas\\\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/pierreroy.com\\\/en\\\/2012\\\/11\\\/a-low-cost-christmas\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Pierre Roy &amp; Associ\u00e9s\",\"item\":\"https:\\\/\\\/pierreroy.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"A Low Cost Christmas!\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/pierreroy.com\\\/#website\",\"url\":\"https:\\\/\\\/pierreroy.com\\\/\",\"name\":\"Pierre Roy &amp; Associ\u00e9s\",\"description\":\"Solutions \u00e0 l&#039;endettement\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/pierreroy.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-CA\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/pierreroy.com\\\/#\\\/schema\\\/person\\\/561a11024c70addee383cb870d3e59b5\",\"name\":\"Dominique Lamy\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/64dc92f268976d5be7d294da2a7366d3a9b826d3553a2544e84c1002375e1bb0?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/64dc92f268976d5be7d294da2a7366d3a9b826d3553a2544e84c1002375e1bb0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/64dc92f268976d5be7d294da2a7366d3a9b826d3553a2544e84c1002375e1bb0?s=96&d=mm&r=g\",\"caption\":\"Dominique Lamy\"},\"url\":\"https:\\\/\\\/pierreroy.com\\\/en\\\/u\\\/dlamy\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"A Low Cost Christmas! - Pierre Roy &amp; Associ\u00e9s","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/","og_locale":"en_US","og_type":"article","og_title":"A Low Cost Christmas! - Pierre Roy &amp; Associ\u00e9s","og_description":"Celebrating Christmas without breaking the bank account \u2013 is it actually possible? Pierre Roy &amp; Associates, advisors in financial restructuring and bankruptcy trustees, propose a few tips to limit the consequences of the holiday season on your family budget. The multiplication of gifts offered, invitations that accumulate left and right, numerous trips made, the purchase [&hellip;]","og_url":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/","og_site_name":"Pierre Roy &amp; Associ\u00e9s","article_publisher":"https:\/\/www.facebook.com\/PierreRoySyndic","article_published_time":"2012-11-23T14:38:18+00:00","article_modified_time":"2014-11-10T02:37:36+00:00","author":"Dominique Lamy","twitter_card":"summary_large_image","twitter_creator":"@pierreroysyndic","twitter_site":"@pierreroysyndic","twitter_misc":{"Written by":"Dominique Lamy","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/#article","isPartOf":{"@id":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/"},"author":{"name":"Dominique Lamy","@id":"https:\/\/pierreroy.com\/#\/schema\/person\/561a11024c70addee383cb870d3e59b5"},"headline":"A Low Cost Christmas!","datePublished":"2012-11-23T14:38:18+00:00","dateModified":"2014-11-10T02:37:36+00:00","mainEntityOfPage":{"@id":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/"},"wordCount":605,"image":{"@id":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/#primaryimage"},"thumbnailUrl":"","inLanguage":"en-CA"},{"@type":"WebPage","@id":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/","url":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/","name":"A Low Cost Christmas! - Pierre Roy &amp; Associ\u00e9s","isPartOf":{"@id":"https:\/\/pierreroy.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/#primaryimage"},"image":{"@id":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/#primaryimage"},"thumbnailUrl":"","datePublished":"2012-11-23T14:38:18+00:00","dateModified":"2014-11-10T02:37:36+00:00","author":{"@id":"https:\/\/pierreroy.com\/#\/schema\/person\/561a11024c70addee383cb870d3e59b5"},"breadcrumb":{"@id":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/#breadcrumb"},"inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/"]}]},{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/pierreroy.com\/en\/2012\/11\/a-low-cost-christmas\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Pierre Roy &amp; Associ\u00e9s","item":"https:\/\/pierreroy.com\/en\/"},{"@type":"ListItem","position":2,"name":"A Low Cost Christmas!"}]},{"@type":"WebSite","@id":"https:\/\/pierreroy.com\/#website","url":"https:\/\/pierreroy.com\/","name":"Pierre Roy &amp; Associ\u00e9s","description":"Solutions \u00e0 l&#039;endettement","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/pierreroy.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-CA"},{"@type":"Person","@id":"https:\/\/pierreroy.com\/#\/schema\/person\/561a11024c70addee383cb870d3e59b5","name":"Dominique Lamy","image":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/secure.gravatar.com\/avatar\/64dc92f268976d5be7d294da2a7366d3a9b826d3553a2544e84c1002375e1bb0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/64dc92f268976d5be7d294da2a7366d3a9b826d3553a2544e84c1002375e1bb0?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/64dc92f268976d5be7d294da2a7366d3a9b826d3553a2544e84c1002375e1bb0?s=96&d=mm&r=g","caption":"Dominique Lamy"},"url":"https:\/\/pierreroy.com\/en\/u\/dlamy\/"}]}},"_links":{"self":[{"href":"https:\/\/pierreroy.com\/en\/wp-json\/wp\/v2\/posts\/4074","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pierreroy.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pierreroy.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pierreroy.com\/en\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/pierreroy.com\/en\/wp-json\/wp\/v2\/comments?post=4074"}],"version-history":[{"count":0,"href":"https:\/\/pierreroy.com\/en\/wp-json\/wp\/v2\/posts\/4074\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pierreroy.com\/en\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/pierreroy.com\/en\/wp-json\/wp\/v2\/media?parent=4074"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pierreroy.com\/en\/wp-json\/wp\/v2\/categories?post=4074"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pierreroy.com\/en\/wp-json\/wp\/v2\/tags?post=4074"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}