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In-the-Black Tip: Spend Smarter

We're celebrating Halloween with In-the-Black Week, but this tip is something to also keep in mind when you are preparing to shop for the upcoming holidays.

In-the-Black tip: Shop with a purpose. Make a list of the things you're hoping to find, whether it's a new holiday party dress for you or gifts for the people you love. Next to each item or person's name, write how much you can afford to spend. You may be able to spend $200 on yourself normally, but when you have a long list of gifts to buy, you might have to spend less. Use a spreadsheet to track the purchases as you go including what you paid for each item, so you can clearly see how well you are sticking to your overall spending plan.


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ilanac13 ilanac13 7 years
i think that lists make sense in EVERY instance that you could use them. when you're grocery shopping you stay on task, and when you're holiday shopping, if you know how many people you have to buy for and what types of things you're thinking about, you'll be better suited to spend less.
dcfashionista dcfashionista 7 years
This christmas my presents will cost alot less. I am doing no more than $20 per person but I will prefer $5 to $10 per person. I am shopping clearance racks, sales and using savings coupons.
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