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The holiday season is officially here, and that means holiday shopping. It is possible to indulge your loved ones with the perfect gift and not break the bank! Here are some tips to keep you on track:

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?

Shop for the Best Price: Even if you intend to go to the mall, use the internet to shop for the best price. Sites like or are great for this.

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!

#Budgeting #holidays #MoneyTips

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