by: www.BadCREDITResources.com

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Christmas is a time to give gifts to our friends and loved ones, it doesn’t have to mean that we have to go beyond our budget limits or get stuck in debt to show the spirit of giving.

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Here are some holiday spending tips for you:

Planning early is the best way to give someone the perfect gift without cramming or splurging.

Create your own list of people you plan to give gifts to.

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Shopping online can literally save you hundreds of dollars compared to shopping at malls and regular stores.

Take advantage of free delivery offers from online merchants especially if you place a large order

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Hand made gifts that you made yourself are even more special.

Do you love to bake or cook? Why not share your passion by sending a friend homemade preserves, sweets or pastries?

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Make it a habit to start saving even just a small portion from your salary so that when the holidays come, you’ll have a budget ready for gift giving.

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Instead, use your old ornaments and give them a new look by using your creativity and imagination.

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Prices tend to increase during the holidays so it’s best if you just make your purchases early.

Don’t wait until December before you start shopping around for gifts.

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Take advantage of sales at any time during the year.

You can get really great items for a lesser price if you buy them on a sale than if you wait for the holidays.

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It’s so easy to just charge everything on your credit card and just worry about it when the bills start to come.

Don’t risk your credit just because you’re feeling generous.

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Resources: Wise Spending Tips This Christmas:http://www.badcreditresources.com/articles/wise-spending-tips-this-christmas/

For more saving tips:

Tips On How To Control Holiday Credit Card Debthttp://www.badcreditresources.com/articles/how-to-manage-holiday-credit-card-debt/

Saying NO to Impulse Spending and Start Savinghttp://www.badcreditresources.com/articles/saying-impulse-spending-start-saving/

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