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12 tips on easing the financial pain at Christmas

Dec 3, 2009

  1. Lower your credit card limit;
  2. Pay with cash only;
  3. Put bigger items on lay-by;
  4. Use a debit card instead;
  5. Take your card out of your purse and stop the impulse purchase;
  6. Put a "Do I really want to pay for this in January?" note on your card;
  7. Cut up your credit card altogether.
  8. Set budgets;
  9. Establish Kris Kringles for family and friends;
  10. Put limits on presents
  11. Make your own presents.
  12. Buy presents in the post-xmas sales

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