It’s that time of year again where many people feel the financial stress of buying presents for their families, friends and even co-workers. Unfortunately, many consumers find it all too easy to charge all of these gifts on credit cards and unless they are ZERO interest cards, these shoppers will be going into the new year with Holiday debt. Now is that any way to start the New Year? NO!
There are plenty of ways to save money over the holiday season; reduce the amount of gifts you buy people, make some homemade gifts, use coupons, shop sales, make a budget and stick to it.
Everyone would love to say they have a cushy emergency fund or savings account they can dip into in case of an emergency. However, what people hope to do and the actual reality of the situation are sometimes on opposite ends of the spectrum.