The
holiday spending frenzy is here! Pssst! Did you know that you don’t necessarily
have to turn up broke in January? Here are tips on the how;
- Set limits for total holiday spending - be realistic about what you are willing to sacrifice by developing new-and-improved spending habits.
- Make your own "naughty" or "nice" lists - Santa has to buy presents for the whole world, but you don't
- Give your time - Mom and dad (or other far-away family and friends) might love nothing more than a visit from you. Give small gifts and large hugs.
- Give personalized gifts instead of expensive gifts
- Organize group volunteering instead of holiday parties - You'll get to spend quality time together – plus, you'll come out of the day feeling proud of your efforts rather than suffering from buyer's remorse, and anyone can benefit from volunteering
The
Bottom Line
Don't let your debt become the Scrooge that robs the
fun from your holiday season. Spend time with your friends and family,
base your gift buying on sentiment rather than currency value, and avoid giving
yourself a year-round debt headache. If you can follow these tips, when your
holiday bank statements arrive in the New Year, you'll find yourself singing
"Joy to the World" all over again.
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