Counting Pennies

Since the shopping season starts tomorrow, I thought I would use this chance to share some tips on how to stretch your dollars this holiday:

• Don’t go crazy. There’s a month left until Christmas, so you don’t have to buy EVERYTHING tomorrow. Scan the newspaper for coupons and settle on a couple of things.
• Don’t wait until the last minute either. You’re more than likely to pay more for things just because you don’t have time to look for a cheaper option.
  
• Avoid impulse buys. This is where stores make a profit. They’re counting on you grabbing not only the discounted computer, but also picking up a regular-priced scanner or printer along the way.
• Shop with a list. You’ll be less likely to overspend or buy duplicates.
• Shop consciously. Whatever you buy now will have an impact on your financial future. Is it really worth it to spend $100 on something you will barely use but will take you months to pay? 

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