Holiday Hint:
Don't See Red
This is he time of year that businesses go into the black while the consumer goes into the red. The most common cause for this is the use of a credit card without tracking purchases.
The best way to avoid overspending is to start with a plan. Know ahead of time how much money you can afford to spend on purchases. Budget by creating a list of those you wish to give a gift to and how much you are able to spend on each person. Then stick to it! If you only allow yourself to use cash you will be less likely to over spend.
If using cash is impossible and you must use a credit card, track your spending each shopping trip to make certain you stay on budget and hold onto your receipts. If you overspend and you know you can't afford it, tracking your purchases each shopping trip will call this to your attention allowing you the opportunity to exchange your purchase for one that is more affordable.
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