Reduce Temptation to Spend Too Much for Christmas!

First, look at your budget.

• How much do you have to spend?

Make a list of people you will be buying for -
This includes:

• Family members
• Friends
• Significant Others (not necessarily yours - relatives, children's, etc)
• Charity (Angel Tree, Toys for Tots, Salvation Army, etc)
• Office (Secret Santa, etc)

Budget how much you will be spending on each person.

Shop for the best deals and stick to your budget!