12 tips on easing the financial pain at Christmas

Dec 3, 2009

1. Lower your credit card limit;
2. Pay with cash only;
3. Put bigger items on lay-by;
4. Use a debit card instead;
5. Take your card out of your purse and stop the impulse purchase;
6. Put a "Do I really want to pay for this in January?" note on your card;
7. Cut up your credit card altogether.
8. Set budgets;
9. Establish Kris Kringles for family and friends;
10. Put limits on presents
11. Make your own presents.
12. Buy presents in the post-xmas sales

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