Thursday, December 1, 2011


When January comes, and it will, that is when you will be facing all those Holiday bills!! Here are some tips that I hope will help. Shop online to avoid being seduced by the holiday music,decorations. Stores and Malls do this on purpose to tempt you. What happens is you get caught up in the moment and overspend. Make a list and the amount you feel comfortable spending and STICK TO IT! Use a credit card,and preferably one that gives rewards back. You can put those rewards towards your balance and pay your balance in full when the bill comes! If you do go to a Mall or store, be prepared to be approached by very persuasive sales people.Do not be pushed into buying something you can't afford! Happy Gift Giving!

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