Before you head blindly into that mall, overjoyed with the Christmas spirit only to wake up in January to a nasty credit card hangover, here are some tips to help you spread and keep the joy.
Tag: holiday budget
Our natural inclination when this time of year rolls around is to spend now and worry about it later. After all, it’s the season of giving and who wants to stress about paying bills when you’re shopping for junior’s bike? Unfortunately, that kind of thinking is what led our country (and a lot of the world) into the current financial funk. And if you’re really honest with yourself, what causes more stress – setting a budget ahead of time for the holidays and sticking to it as much as possible, or spending freely and not really knowing how long it’s going to take you to pay it off?
You’ve been working hard all year, but when you sat down to make your holiday budget, it just wasn’t enough. Stick with it and you’ll be shopping for everyone on your list at the dollar store.
Don’t panic yet. There are a number of ways that you can still make some extra cash in time to bulk up your budget and get some great gifts.
The holidays bring many happy and joyous things. Even shopping for holiday gifts can be fun and exciting. It’s all in good fun until the credit card bills start rolling in. The credit card fog is one that can hang on for years to come unless you learn how to curb the holiday spending hangover before it occurs.