Advice for last minute shoppers. Cash not credit
December 18, 2020
I’m Miriam Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money
M For Christmas gift giving, you made a plan. Now is crunch time and its tempting to just rush to buy. You might find that you are spending money in ways or amounts that do not align with your personal goals or values.
V Getting this right just requires paying attention, then planning Christmas gift giving. Try Try Try to make purchases, even gifts with cash and not on credit cards. This forces you to stay on budget and not to overspend or to spend on impulse. If you do not have the money for that item now, do you think you will have the money to pay for it in January? Plan and stick with your plan.