Cutting Corners for the Holidays

Here it comes! Batten down the hatches ... it is picking up speed ... it will be here before you know it.

Of course, we are referring to the holiday season. It is the time of year, filled with joy and the spirit of giving. It can also be a bit stressful for those finding it difficult to make ends meet.

That is why we have compiled this handy list of money saving holiday ideas:

1. Make a budget: Determine how much you can spend and who you want to include on your list. Once the budget is completed, stick to it.
2. Research before you purchase: Not certain which gifts may provide the best deal for your money? Conduct some online research. There are numerous consumer review sites that can help you to determine the right gifts for the right price.
3. Cyber Monday sales: Not a big fan of the hectic shopping pandemonium of "Black Monday"? Consider shopping on Cyber Money -- considered the best online shopping day of the year for e-commerce discounts.
4. Buy with cash: Resist the temptation to purchase items with your credit cards.
5. Do not wait! The longer you put off shopping, the more you will spend.
6. Homemade fun: If you have a creative flare, you may want to put those talents to use. Consider baking some special holiday cookies ... or create some homemade jewelry ... or needlepoint blankets for those on your list.
7. E-Cards: Consider e-cards Some folks may prefer the old-fashioned paper holiday greeting cards. There are some fun, clever e-cards produced now that may save you a bunch of money on postage.
8. Pick a name: Many families have decided to work together to save money. They all select one family member to give a gift. You may also consider a cost limit or price range to avoid possible hard feelings
9. Pot luck: The big holiday dinner is quite expensive to prepare. Create a pot luck meal and assign specific items to each guest.
10. Family fun: Some of the most enjoyable holiday times involve simply interacting with family and friends. Drive around to see the holiday lights ... attend a local holiday play ... check out your community's events calendar and choose some activities the entire family will enjoy. Do a little brainstorming and come up with additional ways to cut back on your holiday expenses.

Keep the holidays happier by planning early anticipating costs. With budget software, it's easier than ever. By the time the new year arrives, you'll be thankful the holidays didn't break your budget.

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