1. Set a realistic budget and stick to it.
2. Next year, set up a holiday savings account.
3. Use the Internet to compare prices and
search for coupons and promotions.
4. Do not be tempted to open new credit card
accounts. It is tempting, but stay away!
a notebook or spreadsheet.
6. DO NOT overspend on gifts. Do not feel
obligated to spend as much as others spend
on you. YOU determine how much you are
able to spend.
7. Shop after Christmas for next year's
decorations, gifts, and supplies. Keep a
record of what you bought and who it is for.
Keep these items in one central place so you
do not forget where you put them.
On your mark, get set, go! The race is on! Remember the true meaning of the holidays and try to simplify. Make some changes in your life to reduce stress, keep money in your wallet, and spend time with your loved ones.
