Christmas 2006

Managing Your Money

Save in advance. It may be too late this year, but commit now to saving in advance for next year. Discipline yourself to save a few dollars from each week's paycheck during the year. It's simple. Look into joining a "Christmas Club" at your savings institution.

Moonlight. Taking on a part-time job for a few months, or working overtime, is one great way to earn extra spending money in time for the holidays. Even better, work a little extra here and there throughout the year, saving most, if not all, for holiday expenses.

Make a list. It also helps to stick to it! This may seem to be a fairly basic thing to do, but think of the times you've gone grocery shopping and found yourself buying things that weren't on your grocery list. Holiday displays are even more enticing. Avoid impulse buying.