{"id":54160,"date":"2023-03-13T11:11:19","date_gmt":"2023-03-13T18:11:19","guid":{"rendered":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/?p=54160"},"modified":"2025-02-20T07:41:37","modified_gmt":"2025-02-20T15:41:37","slug":"year-end-municipal-budget","status":"publish","type":"post","link":"\/us\/en\/blog\/year-end-municipal-budget\/","title":{"rendered":"Use it or lose it: 11 ways to spend that year-end budget"},"content":{"rendered":"<p>The end of the year comes up fast, and if you&#8217;re looking for wise ways to spend that &#8220;use-it-or-lose-it&#8221; municipal budget before it expires, you&#8217;ve come to the right place.<\/p>\n<p><span style=\"font-weight: 400;\">Government leaders sometimes complain that they don\u2019t have enough money to complete key community projects. However, many agencies and offices leave money on the table in their use-it-or-lose-budget.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ideally, budget plans are established early enough that you don\u2019t have an excess of funds to go through in the final weeks of the year. However, if you do, there are a number of effective ways to maximize the usefulness of your remaining municipal budget funds.<\/span><\/p>\n<p>Today, we&#8217;ll cover:<\/p>\n<ul>\n<li><a href=\"#b\">What is a use-it-or-lose-it budget?<\/a><\/li>\n<li><a href=\"#a\">What happens to unspent municipal budgets?<\/a><\/li>\n<li><a href=\"#c\">11 ways to wisely spend your end-of-year municipal budget<\/a><\/li>\n<\/ul>\n<hr \/>\n<h2><span style=\"font-weight: 400;\"><a id=\"b\"><\/a>What is a &#8220;use-it-or-lose-it&#8221; municipal budget?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A true use-it-or-lose-it budget means that if you don\u2019t spend the total budget during the time in which it is allocated, you lose access to the unspent funds.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition to missing out on opportunities to complete important projects, unspent funds influence future budget decisions by legislators. The assumption is that if your agency didn\u2019t use the funds available, there is no need to allocate as much money in upcoming years. In essence, failing to spend what you have creates a double-whammy.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\"><a id=\"a\"><\/a>What happens to unspent municipal budgets?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The specific implications of an unspent municipal budget vary somewhat. Budgets appropriated by local, state, and federal governments come with defined terms by which the budget is managed. In some cases, unspent funds are reallocated to your agency, office, or department budget for the upcoming year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In some cases, budgeted amounts are tied to specific projects. In such cases, you might be able to apply remaining funds to that project if it is started during the current year, but completed in the upcoming year. Review relevant legislation or appropriation contracts to know for sure what happens to unspent money in your situation.<\/span><\/p>\n<h2 class=\"heading h3 h2\"><span style=\"font-weight: 400;\"><a id=\"c\"><\/a>11 ways to spend your use-it-or-lose-it budget before it&#8217;s gone<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Given the drawbacks of an unspent municipal budget, consider how your agency can best use your end-of-year budget. Even if you don\u2019t have pressing financial needs, you might have some backburner projects that you can move up in your timeline.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are 11 ideas on how you can spend your end-of-year, use-it-or-lose-it municipal budget wisely:<\/span><\/p>\n<ol>\n<li><a href=\"#one\">Upgrade your communications technology<\/a><\/li>\n<li><a href=\"#two\">Invest in retraining programs<\/a><\/li>\n<li><a href=\"#three\">Hold fundraisers<\/a><\/li>\n<li><a href=\"#four\">Embark on research projects<\/a><\/li>\n<li><a href=\"#five\">Work on skill development and cross-training<\/a><\/li>\n<li><a href=\"#six\">Prioritize digital security<\/a><\/li>\n<li><a href=\"#seven\">Initiate transportation system repairs<\/a><\/li>\n<li><a href=\"#eight\">Upgrade office equipment<\/a><\/li>\n<li><a href=\"#nine\">Engage professional maintenance and cleaning services<\/a><\/li>\n<li><a href=\"#ten\">Begin construction projects<\/a><\/li>\n<li><a href=\"#eleven\">Modernize your website<\/a><\/li>\n<\/ol>\n<h2 class=\"heading h2\"><span style=\"font-weight: 400;\"><a id=\"one\"><\/a>1. Upgrade your <a href=\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/how-to-build-better-work-relationships-through-communications-technology\/\">communications technology<\/a><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">One of the most surefire ways to put your remaining budget to good use is with a communications system upgrade. A modern digital communications infrastructure radically improves internal efficiency and enhances your effectiveness in meeting the needs of your citizens. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">A comprehensive, cloud-based platform allows agents to seamlessly move from one communication platform to another in a safe, secure environment.<\/span><a href=\"https:\/\/www.ringcentral.com\/us\/en\/blog\/2022-survey-results-how-ringcentral-is-helping-business-driving-value-through-their-contact-center\/#:~:text=improving%20customer%20satisfaction.-,%F0%9F%92%A5RingCentral%20customer%20success%20metrics%3A%20According%20to%20a%202022%20survey,with%20RingCentral%20contact%20center%20products.\"><span style=\"font-weight: 400;\"> According to a report from RingCentral<\/span><\/a><span style=\"font-weight: 400;\">, government organizations saw at least a 57% increase in staff satisfaction after improving their unified communications.\u00a0\u00a0<\/span><\/p>\n<h3 class=\"heading h3\">Pro tip: All-in-one platforms make payments easier<\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-52687\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2022\/07\/Spend-less-save-more-with-RingCentral-MVP.png\" alt=\"\" width=\"1920\" height=\"1080\" \/><\/p>\n<p>As you shop for a cloud communications platform, it&#8217;s a good idea to look for all-in-one solutions. Having a single vendor for all your channels streamlines invoices and technical support. RingCentral is one powerful, feature-rich platform that includes everything you need for in-person, hybrid, and remote teams:<\/p>\n<ul>\n<li><a href=\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/real-estate-ringcentral-advantage\/\">Business phone<\/a><\/li>\n<li><a href=\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/video-conferencing-software\/\">Video conferencing<\/a><\/li>\n<li><a href=\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/what-is-team-messaging\/\">Team messaging<\/a><\/li>\n<li><a href=\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/how-government-uses-outbound-sms-for-service\/\">SMS (business texting)<\/a><\/li>\n<li><a href=\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/what-is-efax\/\">eFax<\/a><\/li>\n<li><a href=\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/virtual-breakout-rooms\/\">Virtual breakout rooms<\/a><\/li>\n<li><a href=\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/ringcentral-report-ucaas-analytics\/\">Insights and analytics<\/a><\/li>\n<\/ul>\n<h2 class=\"heading h2\"><span style=\"font-weight: 400;\"><a id=\"two\"><\/a>2. Invest in retraining programs<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Over time, it is common for employees to forget best practices when completing routine or periodic tasks. Investing in a retraining program can boost quality and productivity for your government workers. <\/span><a href=\"https:\/\/www.ringcentral.com\/us\/en\/blog\/2022-survey-results-how-ringcentral-is-helping-business-driving-value-through-their-contact-center\/#:~:text=improving%20customer%20satisfaction.-,%F0%9F%92%A5RingCentral%20customer%20success%20metrics%3A%20According%20to%20a%202022%20survey,with%20RingCentral%20contact%20center%20products.\"><span style=\"font-weight: 400;\">37% of organizations also saw an increase in employee productivity after unifying their communications tools.<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you upgrade your communications platform, look for features that support training programs, such as video conferencing capabilities, SMS messaging for internal teams, and other <a href=\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/reliable-to-the-core-the-new-imperative-for-government-collaboration-tools\/\">collaboration tools<\/a>.<\/span><\/p>\n<h2 class=\"heading h2\"><span style=\"font-weight: 400;\"><a id=\"three\"><\/a>3. Hold fundraisers<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If your agency organizes end-of-year community or holiday events, extra funds could boost the reach or impact of the events. If you haven\u2019t done so, putting some of the municipal budget twoard these events may allow you to get creative in coming up with ways to boost community engagement.<\/span><\/p>\n<h2 class=\"heading h2\"><span style=\"font-weight: 400;\"><a id=\"four\"><\/a>4. Embark on research projects<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Citizen engagement has become a priority at all levels of government. To effectively engage citizens, it is helpful to know preferred methods of interaction and types of content citizens want. Surveys, focus groups, and other research methods can offer useful insight. You might also find <a href=\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/why-data-analytics-are-crucial-for-your-business\/\">useful analytics<\/a> provided in your communications platform that may help you discern preferred methods and <a href=\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/communication-channels\/\">channels of communication<\/a> for your communities.\u00a0<\/span><\/p>\n<h2 class=\"heading h2\"><span style=\"font-weight: 400;\"><a id=\"five\"><\/a>5. Work on skill development and cross-training<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">With extra funds on hand, it is a good time to grow your agency\u2019s creative skillset through targeted skill-building and cross-training. Broader and deeper skillsets contribute to higher productivity and better public service. They also minimize the negative impacts caused by short-term and long-term employee absences.<\/span><\/p>\n<h2 class=\"heading h2\"><span style=\"font-weight: 400;\"><a id=\"six\"><\/a>6. Prioritize digital security<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Expansion of broadband internet and digital technology attract more interest from hackers. Cybersecurity has never been more important to government organizations. Evaluate your existing systems, identify opportunities for risk reduction, and consider software security protocols when upgrading your digital infrastructure. This also helps protect the identity of your citizens and staff when implemented with a unified communications platform.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><\/p>\n<div class=\"rc-post-content-cta rc-post-content-cta_green\">\n<div class=\"rc-post-content-cta-columns\">\n<div class=\"bottom-cta-img\">\n\t\t\t\t<img decoding=\"async\" width=\"737\" height=\"416\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2023\/01\/e2ee.png\" class=\"responsive-image\" alt=\"\" \/>\t\t\t<\/div>\n<div class=\"bottom-cta-copy\">\n<div class=\"headline-copy\" style=\"text-align:left;\">End-to-end encryption: What it is and why it matters<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"rc-post-content-cta-footer\">\n<div class=\"bottom-cta-logo-container\">\n<div class=\"bottom-cta-logo\"><span aria-hidden=\"true\"><svg width=\"154\" height=\"34\" viewBox=\"0 0 154 34\" fill=\"#000\" role=\"img\" aria-labelledby=\"cta-ring-logo-542607904\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<title id=\"cta-ring-logo-542607904\">Ring Central Logo<\/title>\t\n\t\t\t\t\t\t\t<path d=\"M154 3.89618H150.386V26.9657H154V3.89618Z\" \/>\n\t\t\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M141.313 11.6299C137.976 11.6299 135.388 13.2501 134.95 16.5546H138.504C138.754 15.3082 139.675 14.5591 141.313 14.5591C143.214 14.5591 144.086 15.6499 144.086 17.3647V18.1444H140.438C137.078 18.1444 134.593 19.6411 134.593 22.697C134.593 25.7529 136.619 27.3411 139.55 27.3411C141.826 27.3411 143.323 26.3721 144.133 24.8145H144.288V26.9529H147.716V17.4802C147.702 13.8276 145.833 11.6299 141.313 11.6299ZM140.58 24.5675C139.177 24.5675 138.303 23.8809 138.303 22.7339C138.303 21.4233 139.238 20.7383 140.921 20.7383H144.069L144.086 20.9549C144.088 23.2232 142.777 24.5675 140.58 24.5675Z\" \/>\n\t\t\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M128.187 26.9657V19.2047C128.187 16.8979 129.623 15.4317 131.896 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11.6443C82.5729 11.6443 79.448 14.7002 79.448 19.4999C79.448 24.2996 82.3483 27.3555 86.8512 27.3555C90.6226 27.3555 93.085 25.3599 93.802 22.4291H90.2986C89.9103 23.5536 88.9559 24.3814 86.8688 24.3814ZM86.8544 14.6377C89.2222 14.6377 90.6258 15.9787 90.7204 17.8492H82.99C83.3317 15.9483 84.4834 14.6377 86.8544 14.6377Z\" \/>\n\t\t\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M68.631 27.3732C74.0243 27.3732 77.0802 24.3814 77.7973 19.9395H74.1301C73.5863 21.9655 72.1105 23.836 68.6294 23.836C65.0457 23.836 62.1759 21.3912 62.1759 16.0413C62.1759 10.6914 65.0457 8.2531 68.6294 8.2531C72.2132 8.2531 73.6505 10.1236 74.1301 12.1191H77.7973C77.2037 7.6756 74.1943 4.7865 68.631 4.7865C62.6459 4.7865 58.313 8.96375 58.313 16.0927C58.313 23.2216 62.6459 27.3988 68.631 27.3988V27.3732Z\" \/>\n\t\t\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M52.437 12.0036V14.0569H52.2654C51.4553 12.6244 49.7725 11.6282 47.3759 11.6282C43.8676 11.6282 40.7057 14.4034 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16.6477V16.5017C13.8424 15.8905 15.339 14.4051 15.339 11.0684C15.339 7.64031 12.782 5.14423 8.04169 5.14423H0V26.9657H3.73931V18.3H8.29354C10.4143 18.3 11.4746 19.3604 11.4746 21.4811V26.9817H15.2139V21.4811C15.2139 18.3946 13.9033 17.1482 11.6302 16.6477ZM7.84117 14.9329H3.73931V8.51618H7.83956C9.86562 8.51618 11.4233 9.35998 11.4233 11.7277C11.4233 14.0955 9.85119 14.9329 7.84117 14.9329Z\" \/>\n\t\t\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M19.7329 9.60219C20.2077 9.60219 20.6729 9.46262 21.0676 9.19794C21.4638 8.93485 21.7718 8.55948 21.9531 8.11994C22.1359 7.68039 22.1824 7.19754 22.091 6.73233C21.998 6.26552 21.7702 5.83721 21.4333 5.50194C21.0964 5.16506 20.6697 4.93727 20.2029 4.84423C19.7361 4.75119 19.2532 4.79931 18.8153 4.98219C18.3758 5.16506 18.002 5.47306 17.7373 5.86769C17.4742 6.26231 17.333 6.72752 17.3347 7.20235C17.3298 7.67879 17.4694 8.144 17.7325 8.54023C17.9956 8.93646 18.3726 9.24446 18.8137 9.42412C19.1041 9.54604 19.4169 9.6054 19.7329 9.60219Z\" \/>\n\t\t\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M16.9769 0.548269C16.101 0.914019 15.307 1.44981 14.6364 2.12196L16.332 3.81756C16.7764 3.37 17.3041 3.01548 17.8865 2.77325C18.4688 2.53102 19.0928 2.40429 19.7232 2.40269C20.3537 2.40108 20.9777 2.523 21.5616 2.76362C22.1439 3.00264 22.6749 3.35556 23.1225 3.79991L24.8181 2.10431C23.8106 1.1001 22.5289 0.415123 21.1333 0.139206C19.7377 -0.139919 18.2907 0.00285184 16.9769 0.548269Z\" \/>\n\t\t\t\t\t\t<\/svg><\/span><\/div>\n<\/p><\/div>\n<div class=\"bottom-cta-link\">\n\t\t\t\t<a href=\"https:\/\/www.ringcentral.com\/us\/en\/blog\/what-is-end-to-end-encryption\/\" class=\"view-all view-all-white \" data-dl-name=\"Read the blog\" data-dl-element=\"button\" data-dl-additional-info=\"bottom cta banner\" data-no-auto-dl=\"true\">Read the blog<span class=\"svg-icon\" aria-hidden=\"true\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"#000\" role=\"img\" aria-labelledby=\"cta-ring-arrow-542607904\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t<title id=\"cta-ring-arrow-542607904\">Ring Central Logo<\/title>\t\n\t\t\t\t\t<path d=\"M0 11.5C0 11.2239 0.223858 11 0.5 11H21.6797C21.9559 11 22.1797 11.2239 22.1797 11.5V12.5C22.1797 12.7761 21.9559 13 21.6797 13H0.5C0.223858 13 0 12.7761 0 12.5V11.5Z\" ><\/path>\n\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M21.1718 12.0001L15.8086 6.63691C15.6134 6.44165 15.6134 6.12506 15.8086 5.9298L16.5157 5.22269C16.711 5.02743 17.0276 5.02743 17.2228 5.22269L23.6467 11.6465C23.8419 11.8418 23.8419 12.1584 23.6467 12.3536L17.2228 18.7775C17.0276 18.9727 16.711 18.9727 16.5157 18.7775L15.8086 18.0704C15.6134 17.8751 15.6134 17.5585 15.8086 17.3633L21.1718 12.0001Z\" ><\/path>\n\t\t\t\t<\/svg><\/span><\/a>\n\t\t\t<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t<\/span><\/p>\n<h2 class=\"heading h2\"><span style=\"font-weight: 400;\"><a id=\"seven\"><\/a>7. Initiate transportation system repairs<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you have transportation systems and roads in need of repair, there is no reason not to spend your use-it-or-lose-it municipal budget to fix them. In addition to road fixes, subway systems and buses may need some work.<\/span><\/p>\n<h2 class=\"heading h2\"><span style=\"font-weight: 400;\"><a id=\"eight\"><\/a>8. Upgrade office equipment<\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-45798\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2020\/12\/Logitech_Kits_Blog.png\" alt=\"\" width=\"930\" height=\"700\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Does your office have any outdated equipment? If so, upgrades can boost employee productivity and improve capabilities of meeting public needs efficiently. In some cases, you may find that cloud technologies may replace some of your equipment. <\/span><span style=\"font-weight: 400;\">For example, rather than replacing old fax machines, you may consider using faxing services to save office space, reduce the number of hardware maintenance chores to be performed, and further digitize your office. <\/span><\/p>\n<h3 class=\"heading h3\">Pro tip: Hardware leasing can make your budget go further<\/h3>\n<p><span style=\"font-weight: 400;\">And if your budget is too small for huge upgrades, <a href=\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/what-is-device-as-a-service-daas\/\">Device as a Service (DaaS)<\/a> is also a growing trend. With DaaS, you can lease new office technology for a monthly subscription fee instead of huge, upfront capital investments to upgrade.\u00a0<\/span><\/p>\n<h2 class=\"heading h2\"><span style=\"font-weight: 400;\"><a id=\"nine\"><\/a>9. Engage professional maintenance and cleaning services<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The end of the year is a good time to give your office space a comprehensive refresh. Consider any basic maintenance or irregular deep-cleaning needs. Use some of your year-end municipal budget to hire a professional service firm that can make your space more aesthetically pleasing and sanitary.<\/span><\/p>\n<h2 class=\"heading h2\"><span style=\"font-weight: 400;\"><a id=\"ten\"><\/a>10. Begin construction projects<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You could bump up your timeline in a construction project that is on the back burner or scheduled in the future. Alternatively, strategize about a small project that would meet the needs and interests of your constituents.<\/span><\/p>\n<h2 class=\"heading h2\"><span style=\"font-weight: 400;\"><a id=\"eleven\"><\/a>11. Modernize your website<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Citizens increasingly expect to find government resources and information online. An antiquated website makes it difficult for people to find what they want. Hire an outside agency to redesign your website to allow for an optimized citizen experience.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">End-of-year municipal budget: Don&#8217;t leave money on the table<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">How you handle your end-of-year municipal budget impacts what happens this year and influences future budgets. Although you want to spend remaining funds, it is important to choose projects that have the most positive impact on your agency and citizens.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Any of the ideas discussed here could benefit you. However, upgrading your digital communications infrastructure would have a long-term, profound impact on internal and citizen-facing interactions. RingCentral for Government is a cloud-based communications system that also integrates with many top digital applications you likely use already. <\/span><a href=\"https:\/\/www.ringcentral.com\/office\/industry-solutions\/government-agencies.html?__mscta=3124_94383_3444\"><span style=\"font-weight: 400;\">See RingCentral government solutions<\/span><\/a><span style=\"font-weight: 400;\"> to learn more!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The end of the year comes up fast, and if you&#8217;re looking for wise ways to spend that &#8220;use-it-or-lose-it&#8221; municipal budget before it expires, you&#8217;ve come to the right place. Government leaders sometimes complain that they don\u2019t have enough money to complete key community projects. However, many agencies and offices leave money on the table &#8230;<\/p>\n","protected":false},"author":1020,"featured_media":58941,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43191,18669],"tags":[],"class_list":["post-54160","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-government","category-verticals"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.3 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Use it or lose it: 11 ways to spend that year-end budget<\/title>\n<meta name=\"description\" content=\"Unspent budgets are lost opportunities. 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