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  • I Advice - Budget and Plan Your Holidays

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    birthdays, new baby, weddings, and next Christmas. Deep discounts can be found after Christmas and can be a huge savings.

    Many items can be set aside such a

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    Holidays can be a costly time of year for most people and many tend to overindulge and overspend. Ideally, you want to pay cash for Christmas and not carry a burden of Christmas debt well into the following year. It’s important to budget carefully and some ways of planning ahead are to bargain shop the seasonal clearance sales, set money aside for the upcoming year, and keep handy lists.

    Bargain shopping

    Post holidays are when retailers discount merchandise to get rid of any excess inventory to make room for new merchandise. After Christmas is the perfect time to start planning for special occasions in the upcoming year such as birthdays, new baby, weddings, and next Christmas. Deep discounts can be found after Christmas and can be a huge savings.

    Many items can be set aside such as

    Why Having a Budget Is the First Step to Getting Out of Debt
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    en of Christmas debt well into the following year. It’s important to budget carefully and some ways of planning ahead are to bargain shop the seasonal clearance sales, set money aside for the upcoming year, and keep handy lists.

    Bargain shopping

    Post holidays are when retailers discount merchandise to get rid of any excess inventory to make room for new merchandise. After Christmas is the perfect time to start planning for special occasions in the upcoming year such as birthdays, new baby, weddings, and next Christmas. Deep discounts can be found after Christmas and can be a huge savings.

    Many items can be set aside such a

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    ales, set money aside for the upcoming year, and keep handy lists.

    Bargain shopping

    Post holidays are when retailers discount merchandise to get rid of any excess inventory to make room for new merchandise. After Christmas is the perfect time to start planning for special occasions in the upcoming year such as birthdays, new baby, weddings, and next Christmas. Deep discounts can be found after Christmas and can be a huge savings.

    Many items can be set aside such a

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    f any excess inventory to make room for new merchandise. After Christmas is the perfect time to start planning for special occasions in the upcoming year such as birthdays, new baby, weddings, and next Christmas. Deep discounts can be found after Christmas and can be a huge savings.

    Many items can be set aside such a

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    birthdays, new baby, weddings, and next Christmas. Deep discounts can be found after Christmas and can be a huge savings.

    Many items can be set aside such as the following:

    -Giftwrap
    -Greeting cards
    -Clothing such as sweaters, mittens, hats, socks, slippers, etc
    -Gift Sets
    -Baking items
    -Candies
    -Christmas decor such as wreaths, ribbon, ornaments, etc
    -Linens
    -Candles
    -Toys
    -Crafts
    -Books

    Saving for Next Year

    If you haven’t opened a Christmas savings account, January is a great time to do so. Even setting aside a small amount can help you build up a little nest egg for next Christmas. This savings will allow you to purchase sale items throughout the year and not just immediately before Christmas. Most often overspending is

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