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Holiday Spending

Everywhere you look now there are Christmas trees, holiday decorations and, most tempting of all, great sales.  But how much spending is too much spending? If you are an impulse shopper and think a budget is meant only for boring household expenses then perhaps you should check out some of the better articles and resources available at London Public Library. It could help you avoid a holiday debt you may live to regret.  (Notice how debt and regret rhyme).  A good way to get started is to create some separate limits for your holiday spending by itemizing and categorizing your spending plans.  For instance, a $20.00 gift for Auntie Moo Moo may be sufficient since she never calls anyway and is only showing up for the free meal.  Save the other dollars to add to cousin Tommy's present because last winter he came and shovelled your porch and drive way when you were sick in bed.  Use cash. Leave the credit cards at home.  Some terrific print resources to get you into the budget restraint mode are Joel Waldfolgel's Scroogenomics : Why You Shouldn't Buy Presents for the Holidays.  This is my favourite and I take it literally so, sorry Auntie Moo Moo. Another personal favourite, and one that I will have to re-read is Bruce Sellery's Moolala :  why smart people do dumb things with their money (and what you can do about it). The resources, and the encouragement are here.  Check them out.  Come January you will be glad you did.