Avoid Holiday Debt

If you spent the last six months saving for your Christmas shopping then no need to read on. Anyone who hasn’t already decided to keep credit card spending to a minimum, get ready to change your mind. Once you add in the months of finance charges, gifts bought on credit end up costing more. To avoid debt this year, make a plan and pay in cash. Set up a budget, make a list (and check it twice). You aren’t on that list, are you? Avoid the "one for you, one for me" mindset when shopping.

Remember that people appreciate simple and meaningful, over expensive and useless. You don’t have to buy for everyone and most importantly, don’t buy it if you can’t afford it! 

"Oh for the good old days when people would stop Christmas shopping when they ran out of money."   Author Unknown