smart spending

7 ways to stick to your holiday budget

Shop with a list
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Shop with a list

To save money, create a detailed list of your anticipated holiday expenditures, says Glass. Divide one sheet of paper into four or five columns. In one column, put the gift recipient's name; in the second column, at least two gift suggestions for that person; in the third, write how much you can spend; and in the last column, indicate how much you actually spent. You can add a fifth column if you know where you can find the gift.

Below the gifts list wrap, bows, cards, decorations, trinkets, entertainment and travel costs. Add up all of your estimated costs, making sure the amount is the same or less than your budget for the holidays.

With list in hand, shop early to get the best prices.


 

 

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