Create a written plan for holiday spending and gift giving a month or two in advance. Include possible gifts, dollar amounts and alternative choices. That way you'll only be responsible for one major gift. Keep in mind that the holidays are about spending time with your loved ones, not showy consumption. Spend cash and avoid using credit cards.
Charge cards tend to promote indiscriminate spending.
Credit card users often say they had no idea how much they spent on the holidays until the credit card bills arrive in January or February of the next year. Contact Webmaster .