It’s officially the holiday season! For those of you that are like me and love the colder weather, pumpkin-spiced and peppermint flavored treats, and twinkly lights adorning every store front, this the happiest time of the year! That said, it can be really easy to get carried away with the holiday season and the barrage of Black Friday ads and completely blow your budget. The last thing that you want to do is start the new year with a tiny mountain of credit card debt leftover from your holiday shopping binge. Here are my three tried and true tips to help you make and most importantly, stick to your holiday budget.
1. Make a List and Check it Twice
Santa Clause is not the only one who should be making a shopping list! Before you jump in your car to hit the isles or log on to Amazon to add gifts to your virtual cart, make a list of everyone who you would like to buy gifts for. Consider your family members, friends, colleagues, and any charity drives that you are interested in participating in. Having a complete idea of how many gifts you need to purchase will help you set a realistic budget for each individual gift you must buy, as well as an overall budget. It also helps to have an idea of what you’d like to purchase for each person. While you may not know exactly what the perfect gift for each individual on your list is, having a general idea will help you budget and narrow your search when you begin shopping.continue reading »