Things You'll Need:
- List of names
- Budget
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Step 1
The best way to take the fun out of Christmas season is getting a huge credit card bill under the tree. While Visa would have a very marry Christmas you will not. Think of it this way if you start early and pay your self that payment you could give yourself a gift along with your friends and family. That is when the true spirit of the season can truly be realized.
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Step 2
Know who you would like to bless with a gift. Next set a budget. Make sure you include in your budget Shipping, packing, and wrapping costs. Your budget should reflect what you can truly afford. Remember the people you are giving gifts to would not want it to be a burden. If your budget is tight you can always draw names and scale back on the number of people who you give to.
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Step 3
Start saving early. Write it in to your monthly budget. Many banks have Christmas fund accounts that pay a good interest rate and will automatically deposit from your checking or savings to the Christmas fund. You can also get a piggy bank and mark it My Christmas bonus. Try this make all your purchases with cash at the end of the day place all the change you have in the piggy bank. You will be surprised when you open the bank how heavy that little piggy has become. oink oink
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Step 4
Start shopping early. You can find great deals online. Just make sure you shop with companies that provide low rate shipping. Sites like overstock.com , Amazon.com, and ebay.com can save you a great deal. If you are going to he mall bring cash not plastic. You always keep a better eye on what you are spending when you are counting out the cash. Cash has that ouch factor that will keep you on your budget.
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Step 5
If you keep to your budget, save early and often, and hunt out those great deal. You will have a very merry Christmas. Thanks for reading and God bless!
Comments
carmenmn said
on 4/28/2009 Good tips thank you