Money Matters December-February 2016/17 | Page 9

Holiday Budgeting

By Kelly Davis, SMMC Administrative Specialist

Holidays can get very expensive, very easily. From family gatherings to parties with friends and co-workers, money can slip through your fingers faster than Santa coming down a chimney.

There are ways to avoid feeling overwhelmed, whether it's with your family or your money. You should spend your time during holidays having fun, not losing sleep worrying.

One simple key to unlocking financial joy this holiday season is to plan ahead. Here are some great purchasing tips:

1.Create a budget plan and stick with it.

2.Know and stick to your spending limits.

3.Track all of your spending.

4.Make a shopping list.

5.Always try to shop early to avoid crowds.

6.Use cash when possible.

7.Save on money, time and gas - shop online.

8.Watch for sales.

9.Keep shipping charges in mind. Look for codes on free

shipping.

10.Put your baking skills to test and give everyone a real

treat!

Most of all - enjoy the holidays!

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