The weekend is here and we are another week closer to Christmas. How many of you have made your Christmas list? How many of you have actually begun purchasing Christmas gifts? Well, why not start this weekend.
At least two department stores are now offering lay-a-way plans. This is a great way to keep the budget under control and not pay interest like you would with a credit card. Please do not under any circumstances purchase gifts on credit. This may satisfy a need you feel to give gifts, but will only cause undue hardship later. Okay, so much for my sermon. :)
Make a plan for purchasing gifts over the next several weeks. Watch the ads and purchase a few each week. Making a list and a plan will help you keep the spending and desire to purchase more under control.
Be purposeful in your purchases and you will enjoy the Holidays without regrets or dread of the bills to come.
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