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Finance For Dummies

Finance For Dummies offers personal finance information on investing, retirement investing, finance, insurance, credit cards, loans and more. Personal finance education is our goal.

Tuesday, October 10, 2006

Holiday-Time Budget

I know it’s early, but you need to start considering how much you can afford to spend on holiday gifts, etc. If you overspend and get behind after the New Year you need to budget better and be more realistic. Most Americans spend an unrealistic amount at this time of the year even though they cannot afford it. What a crummy way to start the New Year—further in debt.

Maybe over the next couple months you can cut down on your spending in order to be able to swing what you want to buy for loved ones. Maybe you spend less—but you still need to budget because this is a time when people spend more money than other parts of the year.

Depending on how important this time of year is for you might want to get a temporary second job. Holiday time is a time to enjoy, not one to put you in a worse position than you are already in financially.

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