Financial Health
Give yourself a present. Keep holiday spending within your means.
* Set a limit on what you will spend.
* Make a list before you shop.
* Buy from stores that offer layaway plans.
* Avoid impulse buying. Leave your credit cards at home.
* Shop less – in stores, online, and while watching TV.
* At family gatherings, discuss ways you can all spend less on gifts. Make a resolution to start a monthly savings account to use for holiday spending.
* Comparison shop. Check out prices online and in-store ads. Use coupons for items on your list.
* Pay with cash or a debit card.
* Don’t go overboard, even during sales. You’ll save 100 percent on items that you don’t need.
* Don’t charge more than you can pay off when your balance is due.
© American Institute for Preventive Medicine