I love this time of year. Christmas lights, hot chocolate, and shopping. For many people though shopping is not something to look forward to. Never Mind the crowds, but for the financial stress it brings. Don’t let financial concerns and a maxed out credit card ruin your Christmas season. Here are some tips to saving money this Christmas and still have a great holiday with your loved ones.
Decide how much you CAN spend. Many people get into trouble because they overlooked the little extra things like postage stamps for your Christmas cards or home decorations.
Make a list and double check them. How much do you want to spend on each person? How many people do you have to buy for? Who do you need to buy for? Having a clear idea of who you are shopping for and how much you want to spend on each person can help you stay in your budget.
Pay with cash. This is a favorite of mine (and a life saver!) Similar to Dave Ramsey’s Envelope system, use cash when making your purchases and stick to your budget.
Here is a full list of things to do to make the holiday season and not break the bank.
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