Surviving the holidays without breaking the bank and going into debt is something anyone can do with a little planning.
Set a budget
Set a budget that won’t break the bank. Setting a budget will help to keep you form overspending and creating debt you may have to carry which may cost you more in interest fees in addition to the cost of your purchases.
Make a list
Making a list of your gift ideas for each person with the maximum amount you are willing to spend will help you manage your holiday budget. Don’t forget to include holiday tips for your babysitter and mail carrier.
Keep your eyes open for sales and special offers. Sometimes if your gifts are not something specific you may stumble across the perfect gift at a great savings!
Take advantage of retailer’s special online offers. You can find online bargains all year long. Sign up to receive emails from your favorite retailers to get notice of upcoming sales or insider deals.
Many online merchants offer free shipping for the holidays. Many online sites have a list of retailers offering free shipping, and some even guarantee delivery before the Christmas holiday.
Give gifts from the heart
Creative and thoughtful gifts can be the most cherished gifts of the year. A plate of fresh baked cookies or scrapbooks of memories are wonderful gifts that people appreciate and showcase your creativity and thoughtfulness.