Gift Yourself with a Stress-Free Debt-Free Holiday Season

Here we are – in the midst of the most shopping-intense season of the year. It’s easy to forget all your big plans as you focus on the holidays instead of your goals.

 Sharing gifts with others is a timeless expression of love and appreciation. While you’re mall-browsing or e-shopping, remember these tips to help you maintain your financial health.

1.  Establish shopping goals. Determine how much you want to spend for each person … and stick to your goal. Overspending is like over-  eating. It adds up quickly – and takes forever to get rid of. 

2.  Use cash or debit cards, not credit. Interest charges increase the total cost of each gift.  

3.   Think differently. By all means, gift each child on your list. For the adults, whether family, friends or business associates, consider other options. Agree together to draw names, donate to favorite charities in lieu of gifts, or create non-dollar gift certificates for each other.

4.  Gift yourself by paying off at least one credit card. Enjoy less stress all year!

Happy Holidays to You.

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