03 Christmas - Cash Not Credit

I’m Miriam Neff and I’m Valerie Neff Hogan with Wise Women Managing Money.

M Christmas gift giving. Making a plan. What are your goals? You might find that you are spending money in ways or amounts that do not align with your personal goals or values. 

V Getting this right just requires paying attention, then planning Christmas gift giving.   Try Try Try to make purchases, even gifts with cash and not on credit cards.  This forces you to stay on budget and not to overspend or to spend on impulse.  If you do not have the money for that item now, why do you think you will have the money to pay for it in January?  Plan and stick with your plan.