Holly Jolly Helper: Leave Your Credit Cards at Home
It's easy to get caught up in the holiday spending frenzy and find yourself drowning in debt, stress and regret, says money and time-saving expert Denise Winston, founder of www.moneystarthere.com. One way to prevent problems this year is to leave your credit cards at home! Before you go shopping, make a list of the people you need to buy for, then budget what you can spend on each and put that amount of cash in a separate envelope for each recipient, Winston suggests.
Seriously low on dough? Try these creative tips from Winston: Turn Clutter Into Cash: Sell items on EBay, cash in on your recycling, or take some gently used items to consignment stores. Go Homemade: Though it may not seem sexy, baking up a storm or knitting scarves for friends may be a creative solution if you are low on gift funds. Consider Re-Gifting: Host a party now and use your hostess gifts as your holiday gifts.