Don't let the Holidays throw you in debt! Below are 5 Tips containing Personal Spending Guidelines you need to follow in order to prevent yourself from going OVERboard!:
Personal Spending-Household Spending Guidelines
1) Make A List - Creating a shopping list gives you a clear guideline for your shopping. It will help you to avoid impulse shopping. Take time to set a list before you step into all the stores that want to suck as much money a they can out of you during the holidays.
2) Set A Budget - Be sure to set a strict personal spending-household spending budget to follow during your shopping. Not doing this can get you in a mess of trouble. The Holidays breeds emotional/impulse spending - and as much as you'd like to be that BIG TIME spender, slow down and realize that in comes a new year after the seasons greetings. You surely don't want to be flat-broke in Debt for Years to Come...
3) Comparison Shop - You'd be surprised if you just shop around a bit the great differences in prices that you can find on the exact same or similar items. Remember: merchants are competing for your business during the Holidays, so actually, you have an upper-hand whether you know it or not. Compare store prices, shop around, wheel & deal and Negotiate before you part with your hard-earned money. You could save Hundreds maybe more!!!
4) Avoid Credit - Watch out for the ole credit trap. It will get you every time if you're not careful. Pay Cash or use Debit for all your purchases as much as possible. Beware: That small $20 item that you charge on your credit card today can snowball into 3 to 4 times as much over the years...especially with all the interest & finance charges and paying only the minimum balance.
5) Shop Online - Online-Shopping is the new trend! Many people like this method of shopping because it's convenient, saves you gas, saves you time and saves you all the hassle of large crowds during Holiday rush. There are several good reputable merchants online and there are the scumbags. The best thing is to stick with well-known merchants that have an online presence e.g. Walmart, Circuit City, Best Buy, just to name a few. Here's a good online shopping mall that I've purchased through several times called MaxMalls On-Line Shopping Mall It is a global shopping mall, so whether you're looking for a USA online shopping mall to online shopping United Kingdom, this is the perfect place for Bargains:-)
Follow these Personal Spending Guidelines during the Holidays and you'll be just fine. Remember: Shopping should not cause you distress during or after the Holidays; shop within your means be reasonable, think logical not emotional and you'll be just fine.
1) Make A List - Creating a shopping list gives you a clear guideline for your shopping. It will help you to avoid impulse shopping. Take time to set a list before you step into all the stores that want to suck as much money a they can out of you during the holidays.
2) Set A Budget - Be sure to set a strict personal spending-household spending budget to follow during your shopping. Not doing this can get you in a mess of trouble. The Holidays breeds emotional/impulse spending - and as much as you'd like to be that BIG TIME spender, slow down and realize that in comes a new year after the seasons greetings. You surely don't want to be flat-broke in Debt for Years to Come...
3) Comparison Shop - You'd be surprised if you just shop around a bit the great differences in prices that you can find on the exact same or similar items. Remember: merchants are competing for your business during the Holidays, so actually, you have an upper-hand whether you know it or not. Compare store prices, shop around, wheel & deal and Negotiate before you part with your hard-earned money. You could save Hundreds maybe more!!!
4) Avoid Credit - Watch out for the ole credit trap. It will get you every time if you're not careful. Pay Cash or use Debit for all your purchases as much as possible. Beware: That small $20 item that you charge on your credit card today can snowball into 3 to 4 times as much over the years...especially with all the interest & finance charges and paying only the minimum balance.
5) Shop Online - Online-Shopping is the new trend! Many people like this method of shopping because it's convenient, saves you gas, saves you time and saves you all the hassle of large crowds during Holiday rush. There are several good reputable merchants online and there are the scumbags. The best thing is to stick with well-known merchants that have an online presence e.g. Walmart, Circuit City, Best Buy, just to name a few. Here's a good online shopping mall that I've purchased through several times called MaxMalls On-Line Shopping Mall It is a global shopping mall, so whether you're looking for a USA online shopping mall to online shopping United Kingdom, this is the perfect place for Bargains:-)
Follow these Personal Spending Guidelines during the Holidays and you'll be just fine. Remember: Shopping should not cause you distress during or after the Holidays; shop within your means be reasonable, think logical not emotional and you'll be just fine.
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