I cannot believe that Christmas is just around the corner. To me, this is a very special time of year. It might be a very special time of year for you to. Of course, as to many other people out there, Christmas time means a lot of shopping. This shopping can sometimes spin out of control, but here I am to offer you some advice to allow you not to spend all your money that you have, or even worse, not to spend too much money and increase your credit card debt.
I have discovered over the years that shopping with my family is one of the best ways to make sure that I never spend too much money than I have to. I very rarely shop on my own as I do not want to be in debt. This has always worked for me!