As you shop for your holiday gift, decorations and hosting, make sure you have a game plan. Follow these Four Holiday Spending Tips.
Make A List
If you are shopping for gifts, use my Holiday Spending Worksheet to clarify who you are buying for and what you want to spend per person/item. Watch out for shoulds as in “We should buy them a gift …”. Once you have your list, add it up and make sure you can swing it and still be happy with your credit card statement in January. Click Here to access The Holiday Spending Worksheet.
Decide How Much You Will Spend
Know your numbers, what you are willing to spend and what your stopping point is. Consider leaving the credit cards at home and using cash. It will help you stick to your plan. When you run out of money, go home!
Do Your Research
Heading out to wander around the mall with no plan is a recipe for overspending. Be clear on what you want to purchase and what the regular price is. Be sure are actually getting a deal or not. Focus on the items in which you can get deep discounts and skip the rest.
You may be able to get great deals without leaving the comfort of your home. Check major retailers for online specials for the items you are buying. Look for online coupons and deals.
All in all, have fun and be wise about what you buy. Remember that a prosperous life isn’t about the stuff you have. Happy smart shopping!
Photo Credit: Shopping at the Eaton Centre – wikipedia.org
P.S. The very best gift this year would be to get your finances in order once and for all, wouldn’t it?
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