Tuesday Tip #24: Budgeting on Holiday Shopping

Develop a budget and stick to it: Write a list of everyone on your gift list and determine how much you want to spend on each person.  You should also include costs for cards, postage, gift-wrapping, holiday meals out, parties, travel, and any other miscellaneous items.  Bring your list when you hit the stores, as it is easy to shop impulsively during this time of year.