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Holiday Spending

Christmas is fast approaching and the holiday season is a time when many people overextend themselves. They may purchase things on credit cards or just spend too much money in general. It is important to plan now so that you do not end up overspending this holiday season. Here are five tips to help you stay in budget over the holidays. 1) Begin with a list and stick to it. You may want to add two or three miscellaneous presents for those unexpected occasions or gifts. You should set a limit on how much you can spend on each person. … Continue reading →

How Will You Use Your Christmas Bonus?

It is the time of year when many people receive a Christmas bonus. This is a great perk that comes with many jobs. Unfortunately fewer and fewer companies are giving a Christmas bonus, and you may end up with a ham or a card. If you are one of the fortunate few, how are you going to use that bonus? You may be tempted to go and spend the entire amount on Christmas presents. In fact for many, this is the only way that they can afford to have a Christmas. It is important to not become reliant on a … Continue reading →

Balancing Christmas Spending and Giving

Christmas shopping is well under way. Black Friday has come and gone. It is interesting that the day that most stores finally make a profit is the day that many consumers begin to increase their debt through holiday spending. People crowd the stores intent on finding the deal that will allow them to purchase items they otherwise couldn’t afford. There is a pressure to spend money during the holiday season that doesn’t exist through the rest of the year. It is nice to be able to give to others and to provide your children with a nice Christmas. It is … Continue reading →