SMART SPENDING, SMART SAVING TIPS THIS SEASONS HOLIDAY

Ten Tips for Holiday Spending

1. Review last year’s spending and decide if and where you can cut back this year.

2. Decide who should be included on this year’s gift list; consider drawing names instead of buying for everyone.

3. Set a price limit for gifts, holiday decorations and cards, clothing, food, gift wrapping, mailing, etc.

4. Develop a realistic spending plan, considering how much money is left after paying bills.

5. Stick to your plan by keeping track of spending, so you don’t exceed your budget.

6. Avoid using credit, as the bills will come due during the new year!

7. Consider sales and outlet, discount, and thrift stores.

8. Instead of buying gifts, give “gift certificates” for your time and talents.

9.Create your own decorations and greeting and gift cards.

10. Take advantage of after-holiday sales for next year.

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