As we approach the season of giving we also approach Americans willingly stacking up consumer debt. Don’t be frustrated at legislators, banks and others that some like to blame for this so called fiscal cliff if you cant balance your Christmas budget. Please don’t be hungover after the holidays from debt that cumulated while purchasing goods for loved ones. Take an hour to write down who you’re shopping for and how much cash you have to use on them so you can truly enjoy the season of giving. Not the season of receiving debt. When you come to the crossroads of running out of money before everyone on the list has something; get crafty.
Maximize savings, minimize cost, stay within your budget and plan, while living happy. What’s your pan?