Seven Tips To Keep Your Holiday Spending In Check

Before you even make the gift list, look at what you can realistically spend. It’s the thought that counts, not the cost of the gift.

This time of year can bring joy, but let’s not kid ourselves it can bring on the blues too. Avoid shopping when you’re having a down day. Studies show that we’re willing to spend more when we’re sad. So avoid the store if you’re feeling blue.

Give yourself a set amount of time per store and don’t linger at the store. Have your list ready; know where to find those items. Get in and get out.

If you can’t pay for it, don’t buy it. Charging will just get you into trouble. Don’t stray from your list.

Sometimes friends can convince you to buy something you really can’t afford. Shop with people who are on a budget themselves.

Online shopping has big benefits. This is a great way to avoid impulse items. Plus it’s easy to compare prices online.

Let’s get real, if you get a gift you know you won’t use there may be someone you know would use it. So don’t be afraid to pass it on.