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Control Your Xmas Budget

November 19, 2006 on 9:25 pm | In Main, Christmas Gifts |

With Xmas fast approaching I thought you might want some handy hints on how to control your spending and not let your finances go off the radar.

First, make a list of all the people you would like to buy gifts for. Second, write down next to each name the amount of money you feel is the most you can spend on each person. Third, stick to your plan! Fourth, it is not a sin to spend less than you planned on a person so don’t go buying something extra just to make up the money factor.

Points to consider:

• Try shopping online - gifts are often cheaper and it will save you time.
• Try hand made gifts if you are good with your hands. People appreciate it more and you save tons of money.
• Use Cash!! This is a big one. If you use your credit (or debit) card, you don’t see the physical cash leaving your bank account which makes spending far too easy. It is a fact that if you use cash, you will spend about 30% less.

If you have some good tips for Xmas shopping, please share your tips with our readers. If you need some ideas then look at our section on Xmas Gifts.

Have fun and keep control.

by Angela