1. Don’t forget the everyday bills. Remember that rent, the mortgage, utility bills, food bills and other existing debts still have to be paid – and the consequences can be severe if they’re not. Even though it’s Christmas, get your priorities right.
2. Allow enough time for your holiday preparations. Don’t put yourself in the situation of last minute shopping and having to pay top dollar for a gift. Budgeting your time can save you a lot of money.
3. Decide how much you can spend- Do this before you even go near a store. Don’t overlook the little extras when you draft your budget. Include everything from postage, holiday party favors and home decorations.
4. Make a list and check it twice. Make a list of the people you want to buy for. Then go over the list and decide how much you can spend on each. If you don’t have enough in your set holiday budget, then go through your list again and cut names or amounts. Focus on the amount you spend and not what you’ll buy.
5. Pay cash. Do cash only Christmas. Set a limit, take that money out of the bank and when the money is gone, it’s over.
6. Don’t overlook the value of intangibles. If you don’t have a lot of money to spend you can always bake cookies for a neighbor. Offer to baby-sit, walk the dog, or run an errand as a favor.
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7. Have a gift exchange. Pick names from a hat and buy for one person rather than everyone in your office or at your church.
8. Repurpose. Use last year’s greeting cards to make gift tags instead of buying them. Wrap Christmas gifts in plain brown paper and let your kids decorate them.
9. Get crafty. Make your own gifts. There are several websites with easy and free craft ideas.
10. Send e-cards. They’re free! Some even play music and it’s a free way to catch up with far-flung friends and family.