Ah, the holiday season! Turkey and dressing, pumpkin pie, Santa hats, jingle bells, and lots and lots of eggnog make the season a delight. But all fun and reindeer games aside, you have to be careful to make sure you dont wind up as poor as Tiny Tim! Americans can spend as much as $1,000 a year on gifts for family and friends. That is a big chunk of money that can hit you pretty hard come January, but only if you dont plan ahead. There are some tips and tricks you can do to keep your holidays bright and debt-free this year.
Before the holidays arrive, do some careful plotting and planning. A few hours spent in preparation can mean less money spent on gifts. You dont have to be Scrooge, you just have to be smart.
Decide how much you are willing to spend, and stick to it.
Pretend you are spending cash. How much can you afford out of pocket this month? If you cannot afford it right now, consider that you cannot afford it at all.
Budget non-gift and after-Christmas items too.
Remember to include other things you buy over the holidays–cards, stamps, candles, a tree, decorations, and food galore. Plus, plan ahead to save some money for next...
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