We just had the first official day of Fall, but it won’t be long until we’re all decking the halls and wondering how to afford all that holiday shopping we’ll do. If you haven’t already set a budget for Christmas activities, now is the time to get serious about holiday budgeting. Here are ten great ideas to get you started.

  1. Give yourself a set spending limit beforemaking your list of people to buy for. Consider postage, gift wrap supplies, traveling expenses, etc.
  2. When you make your list, keep your budget in mind. Remember that it is the thought that counts, but, if the sweater is too expensive, buy that person something else. End of story.
  3. Try to just use cash for your holiday purchases—when the cash is gone, the shopping is done. Using credit cards usually makes you overspend, and you’ll be paying off those gifts long after you gave them.
  4. Clean your house before you go shopping—you might find hidden gift wrap, bows, or even some gifts you bought on clearance that you forgot about.
  5. Shopping with a credit card? Try to find a credit card with a low interest rate and that gives you reward points for using it to buy groceries, gasoline, etc. If you shop smart and pay your balance off, you can use those reward points to get free gifts like gift cards for family and friends. But remember, don’t spend more than you can pay off in one month. Otherwise, those rewards really aren’t free at all. Check out Coosa Valley Credit Union’s credit card offerings here.
  6. Consider making gifts this year—use your secret crafty talents to make candles, scrapbooks, or something similar. No crafting ability? Bake some brownies or cookies to give away. Pinterest has millions of step-by-step ideas for inexpensive holiday crafting and baking projects.
  7. If you are crafty, use those skills not just for gifts but also for decorations. Make your own ornaments, and get the kids involved! After all, the holidays are supposed to be about spending time with your family, so everyone helping out is a great way to save money and create lasting memories.
  8. If you are having the big holiday dinner at your house, ask guests to bring a side dish so you aren’t responsible for everything. Also, when shopping, buy items from the top or bottom shelves—the most expensive items are always in the middle, at eye level.
  9. If you are brave, consider shopping the  what is your future career essay depression essays federalist papers analysis how to write happy birthday in mandarin characters https://www.texaskidneycare.com/takecare/results-with-cialis/120/ writing a book report for kids viagra kaufen europa apotheke source https://homemods.org/usc/what-is-a-veteran-essay/46/ here resume writing services ratings google analytics certification resume https://raseproject.org/treat/levitra-mendon/97/ essay books online go to site http://www.cresthavenacademy.org/chapter/essay-assistance/26/ cheap assignment writing service thesis margin binding woody allen essays how do i add an attachment to an email from my iphone https://psijax.edu/medicine/cialis-once-day-australia/50/ how to write null in latex military police resume templates my ancestors essay college essay help online free can you use half a viagra pill http://hyperbaricnurses.org/15033-blood-and-thunder-viagra/ paying someone to write papers research paper middle school comprar viagra en espaa farmacia online source a ghost story essay Black Friday sales. The crowds might be terrifying, but the deals are often worth the scare. If you just can’t handle it, wait a couple of days and shop the Cyber Monday sales, where you can find great deals online in the safety of your own home.
  10. If you have a huge family or large group of friends, suggest doing Secret Santa, using a ten or twenty dollar spending limit. This way, the gift exchange is fun as people find out who had them, but each person only has to buy for one friend or family member.