This might be a given to some, but for many, it might change their buying perspective.
1) Save!: Christmas is once a year, just like your Dad’s birthday, your parents anniversary, or even your girlfriends birthday. Save for the event. It’s bad when you go out last-minute and buy something and have a problems paying it off. Most banks offer a Holiday Club. My advice is to vest into that account. You can have your bank do it for you automatically. Take $1o to $20 from your paycheck and deposit that into the Holiday account. The bank will then issue you a check in October so you can get an early start on Christmas shopping.
2) Credit Cards: Did you know that some credit card companies ofer incentives to use their credit card? Take Discover for example, they offer 10% back if you use their card to buy Dell products. It’s not much but, combine that with store sales and promotions and you can have your own mini gold mine of cash just by using a credit card.
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