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Tuesday, December 11, 2012

Money Saving Tip - Holiday Gifts

Today's great money saving tip is....

Holiday Gifts:

This tip is especially helpful for large families. Although it is fun
buying for and receiving from everyone, it can be very expensive.

When you budget is tight try make an agreement with your family
that you will continue to buy for the children, but that the adults
will go with a name exchange.

This way the children are not disappointed and you can spend
a little more on one or two people rather than spreading your
money thin. For the members that you did not pick to exchange
with, bake a loaf of their favorite homemade bread or cookies.

The holidays are about finding joy, while spending time with each
other. Focus on that and everyone will be happy!

Harvey Akeson
harvey@harveyakeson.com

EXTRA TIP This Holiday Season look for merchants
that have a "Layaway" plan.
There are several great reasons to use the
old-fashioned practice of putting merchandise aside and making
regular payments until everything is paid off. This is a
great way to do holiday shopping without building up credit
card balances thereby saving on debt interest. Check your
local stores for their policy, see if "SALE" merchandise
can be put in Layaway, how long you have to pay for the
merchandise and at what weekly payments. You won't need
the presents right away and this gives you a safe place
of storage out of prying eyes while enabling you to take
advantage of a special price and making payment without
interest.
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