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We’re almost there!  At this point, I am sure that there is a lot of frenzied activity all geared towards making this Christmas a good one.  Of course, there will still be some shopping going on – maybe some people have not even started.  Here are some “rules” to help you keep your head – and your money – this Christmas.

Say yes to lists and no to impulses
This is so easy to say but doing it is another thing altogether.  Coming up with a list for your Christmas shopping – or what’s left of it – can end up saving you considerable sums.  More so, having a list – which you made when you were not busy – helps you remember everyone and everything. It will help avoid having to back several times to the store to get something that you have forgotten.  That’s easy enough, isn’t it?

The second part is a little bit more difficult – how do you say no to impulses?  This could be very hard when you see all those sales and all that glitter at the mall.  All I can say is look at your list – if it’s not there, keep on walking!

Using your credit card?
You know I’d encourage you to use cash for shopping this Christmas.  Unfortunately, not all of us have the cash to spend so credit cards may be swiped.  My suggestion is for you to try and clear your existing debt on your card first.  That way the interest won’t compound.

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