Set a Realistic Budget: Before you start shopping, determine how much you have available to spend. Also, don’t forget to include non-gift related items such as gift-wrap, decorations and travel expenses.
Examine Your Gift List: Make sure that your list includes everyone important in your life, without over doing it. Does your mailman or hairdresser really need a gift when a heart felt note would suffice?
Don’t Go into Debt: If at all possible, use cash for your purchases. Using cash helps you to better track your spending. If you do use a credit card, experts suggest never spending more than you can pay off in one month.
Always Save Your Receipts: The day after Christmas, retailers are flooded with returns. Remember that whether an item is defective, or the wrong size, an unreturnable item means a waste of money!