A Short Term Loan Can Pay for the Perfect Holiday Party

Entertaining and the holidays

Image from Flickr.

Image from Flickr.

Short term loans are coming to the rescue of many holiday parties. If you have ever hosted a party then you know how difficult it can be to make a tight budget stretch. It is possible, though, to create a fun-filled evening for guests without a huge bank account. In fact, frugality expert Tracey McBride of Long Beach, Calif., said: “The essence of successful entertainment doesn’t lie in the amount of money you spend in preparing for your guests. It lies in the time, thought and care you devote to the surroundings, activities and menu.”

Although everyone watches Martha Stewart put on her grand productions, when it comes to parties for the holidays, it isn’t realistic in today’s economy. The recession has created tight budgets everywhere. Stores are suffering. Car dealerships aren’t selling. Consumers aren’t spending. But the problem is that people still want to have fun. So what can they do?

The solution for a great party

There are some very practical things every holiday host can employ to create a memorable party but not go over budget. Here are some tips to help manage a great get-together:

  1. Leave the caviar and champagne to Martha Stewart. When it comes to your holiday party, vegetables and colorful fruit can have the same visual impact. Andrea Correale, CEO of Elegant Affairs Catering, said, “It’s all in the presentation.” Correale is right. A beautiful platter with fresh vegetables and a candle in the middle can have an elegant impact on your presentation table. When it comes to the main course, you can make the highest priced items last. For example, instead of serving an individual steak dinner for everyone, you can braise beef in a casserole and serve it in a bread bowl.
  2. Change the time. Dinners are traditionally heavier meals and higher priced. You can cut back a little and have a brunch, dessert or cocktail party instead. Any one of these options will allow you to cut back on large meals and focus on snack-like foods. Allison Julius, co-owner of Maison, suggests altering drinks too. She said, “If you want to serve champagne, opt for a champagne cocktail instead. Put a few fresh pomegranate seeds in a champagne flute followed by pomegranate juice. Then add champagne. The red-tinted drinks look festive and will stretch out the number of servings you get from each bottle of champagne.”
  3. Get rid of paper. Paper plates, cups, napkins and plastic cutlery all add to your budget. If you’re working with a small amount of money, say from a short term loan or savings, then you want to cut out unnecessary spending. Pulling out your own dinnerware can save a lot on paper products. You’ll have to wash them at the end, but you won’t break your bank by spending 20 percent of your budget on disposables.
  4. Visit Mother Nature for decorations. Forget about spending money on expensive table arrangements. Rather, head outside for some everyday items to make a real statement. For example, evergreen shrubs or trees can be snipped to make garland and wreaths. You also can use acorns and candles for an interesting centerpiece. Correale suggests using Styrofoam cones and evergreen clippings to create a tree decoration. She says, “At a florist, this would cost you $40 or more.”

Holiday fun made possible on a limited budget

In the end, holiday fun is about bringing happiness to guests and to yourself. You don’t want to have a fantastic looking party and worry the entire time about how you are going to pay for it. Do some strategic planning and set a budget you can live with. Then use a short term loan, savings or Christmas bonus to have the party of your dreams.

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