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November/December 2017

Holiday Harmony

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How do you achieve it? Planning ahead and setting spending limits can keep your stress level in check. Channel your inner holiday spirit with these time- and money-saving ideas.


Budget for gifts. Nothing will ruin the holidays like a pile of bills. Choose the amount you feel comfortable spending — either per person or in total — and stick with it. Consider setting a budget for food and entertaining as well.


Check sale flyers. Save shipping costs by buying items on sale locally.


Shop online. Buying items online can save time and the frustration of checking several stores to find a specific item. And grouping several items in one order may save on shipping costs.


Refrain from using credit cards. Unless you’ll be able to pay off the balance when the bill comes, stick with using cash or a debit card to avoid interest charges.


Shop and wrap early. Then relax and enjoy the season.


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