Living for Today — Planning for Tomorrow
News You Can Use
Holiday Shopping
Review Your Budget. Decide how much you can spend before you go shopping.
Shop Early. Watch for seasonal sales and shop at stores close in proximity to save time.
Keep Spending Down. Try to keep holiday expenses under 10% of your yearly income.
Make A List. Decide who you would like to remember with a gift and how much to spend.
Decide When To Shop. Shop when stores are least crowded to minimize stress.
Allow Time To Shop. Be realistic about how much time you will need.
Use Credit Wisely. Charge amounts that can be paid off within 3 months.
Keep Receipts. Keep price tags, receipts, and bags in case the gift needs to be returned.
Gifts. Consider using your talents and skills to create gifts.
Greeting Cards. Send cards to family and friends you are not likely to see on the holiday.
Decorations. The best time to buy decorations is after the holiday.