If you’ve ever heard the advice, "Never go to the grocery store without a list or when you’re hungry," chances are you know why: you’re likely to buy more than you need and spend more, too.
The same advice applies when you’re shopping for the holidays.
Whether you’re shopping at the mall, online, or by phone or mail, a little planning and know-how can help you deliver a holiday season that’s on budget and maybe even a little less stressful.
By making a shopping list, creating — and sticking to — a realistic budget, and looking for good values, you may be able to avoid the headache that could come with post-holiday debt.
The very first think on your 'list to do', is write down the people you plan to buy gifts for, the type of gifts you plan to buy, and how much you plan to spend. Include the cost of cash gifts, holiday travel, extra food, wrappings, decorations, greeting cards, and postage. If it relates to the holiday season and it costs money, add it to your budget.
Here is some more information to help you prepare for Black Friday:
Don't forget to relax a little, too, if you are out shopping among the masses. Instead of cramming in as many stores as you possibly can, plan enough time so that you can take a break when you need to. Sit down, enjoy a warm beverage, and take in the holiday season. After all, this is the most wonderful time of the year.