How to Stretch Your Holiday Budget

It is now coming down to the season where we tend to a lot of spending, but with the way the economy is going more and more people are cutting back on thier spending. Here are some tips on how to budget on your spending this holiday season


Difficulty: Moderately Easy

***INSTRUCTIONS***

Things You’ll Need:
*Be a savvy shopper
*Calculator
------------------------------------
Step1
*Decide On What you going to buy* Having an idea before you go shopping really helps, therefore ahave a list of all things you will want,'not need". This will make shopping easier for you. Also you need to stick to the plan, and shop around for the best prices possilbe. Now they are a lot of discount offers out there, and coupons, so go the various stores website and see if what they have on promotion. Somethimes getting it online from the stores works out cheaper,as now most store offer free shipping.
------------------------------------
Step2
"know how much you are willing to spend" Know your limit and stick to it. If you want to spend $200 , stick to spending just the $200, as the moment you stray away from your budget you are in trouble, because you start getting things, that you think you need.
------------------------------------
Step3
"Carry Cash vs Credit Card" When you have cash you are more likely to stick to your budget. With your credit cards you are tempted to spend more.
------------------------------------
Step4
"Track spending" Keeping a track of all your spending will help you to see exactly what you purchase and how much you have left to spend. No matter what you purchase you need to write it down.
------------------------------------
Step5
"Do your shopping early" Last minute shopping is time consuming, when you shop early you have all the time to compare prices.You can see all the bargins, there are less shoppers, and the environment is more safe(because is less crowded)