- Pay in cash – By trying to use cash you can keep track of what you are spending and know what you have left. Some people may keep an envelope of cash or they keep their cash separate so that when they’re done, they’re done.
- Resist credit card offers – Some stores may offer a discount up-front, but consumers may not realize that they’ll pay more than that in interest if they don’t pay off the bill right away. Look at what the terms are. How much are you giving to them in return for this discount.
- Shop locally – While there may be great deals – and some time savings – found online, buying in your own community not only helps local businesses, but also potentially saves shipping costs. Planning ahead helps you know what items you can buy in your own town. Delivery times are extending this year. Because of that, you need to plan ahead and buying local can help with that.
- Consider what makes you happy – Have a conversation with your family about decreasing the emphasis on gifts and increasing time spent together. Consider the importance of spending time together, good food and family activities.
By: Brenda Langdon
