It is that time of year again… Christmas. I read an article in the
paper the other day that Black Friday this year was a bit disappointing
for most retailer…they were not as busy as they had been in past year.
They were interviewing a few people as to why they thought that was the
case this year…… The response was… “I didn’t go out on Black Friday and
fight the crowds. I spread out my “”$4,000.00″ holiday shopping budget
throughout the year. Someone was always having a sale”.
Did you read that …. her Holiday shopping budget for the year was $4,000.00. I know that I read that over and over and over again…. thinking that simply must of been a huge typo!…. Maybe I am just a scrooge but>>> do you SPEND that kind of money for your holiday shopping.
Maybe I should ask that another way… do you BUDGET that kind of money for your holiday shopping?
I would hope that if someone had debt…. as so many people do that they
would think about what they are spending and if you have the money by
all means go for it. But if you are simply whipping out that good old
credit card and then just shake your head when the bills come due that
is just silly… though stupid might be a better word for it.
The saying “pay yourself first” should go here…. the money that you do have should be going to pay down your debt. It is as simple as that.
Here are 11 great gift ideas from free to not too much to help you get control of your money.
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