It's not until the decorations go up that we start thinking about how much we're going to spend, and more importantly, where the money will come from. Seasonal expenses that strain our personal finances. Taking on a part-time job for a couple months, or working overtime where you're regularly employed, is a great way to earn extra spending money in time for the holidays. Even better, work a little extra here and there throughout the year, saving most, if not all, for holiday expenses. Take advantage of seasonal bargains .
Many stores begin their year-end sales during the holiday season.
Be alert for bargains, especially if bad weather causes sales to be slow. Draw names . If your list of family and friends is long, suggest this approach to gift giving. That way, each person buys only one gift. Shop by catalog .