100 Days of Christmas Savings: Day 58, Use Cash When Shopping

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100dayscashWhen you use a credit or debit card to go shopping for gifts, it’s easy to buy into the marketing schemes of stores. While you wait in a long line, you might see an overpriced toy or two that would be perfect for the people you’re shopping for. Since you’re using a card, it’s easy to just toss those items in your basket and buy them.

Using cash only for your Christmas shopping can save you lots of money. Since you only have a certain amount of cash on you when you go shopping, you don’t have the option of spending more than you budgeted. To figure out how much cash you should spend on Christmas gifts, create a strict budget. Figure out how much you can afford to spend on Christmas altogether, and then go through your shopping list and divvy the amount up between everyone you have to buy for.

Instead of trying to come up with all of your gift money at once, take little bits out throughout the month and set it aside for gifts. Take out what you’ve budgeted for and put it in an envelope. If you underspend on groceries a little bit, take the rest of the money you had budgeted and stick it into your Christmas money envelope.

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