Festivals call for celebrations and no celebration is complete without an exchange of gifts. coque iphone 8 And spending on these gifts would be boosted with the bonus that would be given by many employers around Diwali. Spending this windfall income is a tempting option, given the festive spirit and discounts both in retail outlets and e-commerce websites. However, before your swipe your card or click on ‘buy’, it’s important to resist cluttering your house and depleting your bank account with unnecessary purchases. Financial discipline is what you need to exercise during this time and to help you do that, we bring five ways in which you should make use of that money. Asking you to not spend maybe asking for too much, especially when it’s pouring discounts. But what is important is that you keep your head above water and for that it’s important that you spend wisely. Stick to a budget and purchase only what you need. “The first thing I would suggest anyone is to clearly understand what they need to spend on, and the budget for that,”said Suresh Sadagopan, founder of Mumbai-based Ladder7 Financial Advisories. Discounts don’t increase your need, they only help you get a good deal on what you need, or may be not really need. To get a good deal you need to be a hard-nosed shopper. Research and compare to make sure you are actually getting a good discount. Also it’s important to draw up a budget and stick to it. Don’t overstretch the budget because that LED television is available at a never-before discount. Don’t buy it if it is beyond your budget.