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Red Purse with Money Stuffed In It (2344 bytes)The Holiday BudgetRed Purse with Money Stuffed In It (2344 bytes)

Red Purse with Money Stuffed In It (2344 bytes) Establish your overall holiday budget, including what you plan to spend on decorations and entertaining.
Red Purse with Money Stuffed In It (2344 bytes) Set a "$" limit on the amount anyone can spend on a gift and seek the cooperation of all to abide.
Red Purse with Money Stuffed In It (2344 bytes) Handy with a computer? Make family coupon books with coupons for services you are willing to provide, to be "cashed in" when the recipient needs them within a specified time period.
Red Purse with Money Stuffed In It (2344 bytes) Have gifts drop shipped. Most online, catalog and TV shopping companies offer this service, saving you the cost of shipping the item twice.
Red Purse with Money Stuffed In It (2344 bytes) If you must, take along only "1" credit card. Store the others away in your dresser until February.
Red Purse with Money Stuffed In It (2344 bytes) Pay cash for your purchases and avoid those hefty 19%+ interest charges.
Red Purse with Money Stuffed In It (2344 bytes) Avoid buying the "hottest" items of the year for your child until after Christmas or for a birthday instead. Example: When the Furby hit the market place, thousands of people spent anywhere from $100 to $2500 to purchase this toy on the internet with no guarantees of being able to return it or even get the item. (The phase was over in less than a year!)
Red Purse with Money Stuffed In It (2344 bytes) Savings bonds are still a good idea and will encourage a child to begin saving early.
Red Purse with Money Stuffed In It (2344 bytes) Give store gift cards. Purchases made during January sales will yield 30-50% more. But beware as some cards may have expiration dates.
Red Purse with Money Stuffed In It (2344 bytes) If time permits, don't grab the first items you see. Do some comparison shopping. You can save up to 30% if you shop smart.
Red Purse with Money Stuffed In It (2344 bytes) Save money on the price of cards and stamps, use the on-line free greeting cards for those of your friends and acquaintances who have email addresses.
Red Purse with Money Stuffed In It (2344 bytes) Have a few generic gifts on hand for those unexpected guests. They don't have to be expensive. Picture frames and crystal items can be purchased fairly inexpensively at closeout stores and flea markets.
Red Purse with Money Stuffed In It (2344 bytes) Start planning for next Christmas on January 2nd.
Red Purse with Money Stuffed In It (2344 bytes) Take advantage of January sales for purchases of holiday cards, wrapping paper and decorations.
Red Purse with Money Stuffed In It (2344 bytes) Take advantage of sales throughout the entire year.
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Christmas Present A Dickens Christmas

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