Yes, you can have the answers to debt free holidays by clicking onto my recent appearance on ABC NEWS NOW - GOOD MONEY SHOW
Plus, three of you won including Bev, from Steinbech, Manitoba, Canada; Linda from Mt. Pleasant, IL and Joe, from Panama City, FL. You will receive a complimentary copy of The Little Book of Big Savings!
Here's the essential steps to save this holiday season!
Be Specific - Set aside a specific “cash” budget--don’t use credit cards unless you know you can pay them at the month’s end.
Simplify – Gifts don’t need to be elaborate, especially during a recession. Think “practical” for friends and family who have been hit by the recession and consider giving gift cards that they can use to purchase essentials like food and clothing. At www.AmericanExpress.com/gift you will find the only 100% gift, 0% fee universal gift card on the market. Write down the card number after you buy it and if you lose it or it's stolen, just call American Express for a replacement.
Strategize – Decide which gifts you’ll purchase and match them with sale ads for Black Friday. or Cyber Monday. Check off the items on your list and make note of any special limitations (i.e. ‘price only effective for three hours, limit two ipods per person, etc.). Prioritize the stores you’ll shop according to limitations and values.
Split it! Follow the old “divide and conquer” rule when shopping on Black Friday by going with a friend or your spouse. If there are multiple purchase discounts, you can split it and take advantage. You might also have a “two for one” special and share the savings.
Stick to Your Guns- Be aware that you may be tempted to keep buying even when you’ve already conquered your list. Marketers are good at placing irresistible bargains eye catching places.
Steal it! - Be sure to save some money in your budget for the after-Holiday sales. You can oftentimes get non-perishable gifts for next year’s list at anywhere from 50% to 75% off retail.
America's Family Financial Expert (R)