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Total the cost of aU^items and compare with the amount'1^cju have set aside for holiday expanses. If your spending outpaces your holiday savings, look over your list and see where you can trim.
Consider alternatives for entertaining. In place of a dinner party, invite people over for coffee and dessert. In place of cocktails, give your guests a choice of an alcoholic or a non-alcoholic punch. If the main purpose of the event is fellowship, then the food is less important and inexpensive items will serve as well as gourmet fare.
Plan to keep credit purchases to a minimum. If you are using your credit cards for convenience aiiiMBU pay the bill in full when it comes,
you plan to carry the balance into next year, you could be adding 18 percent to 22 percent onto the.pdS of everything you buy.
By planning now you will be able to estimate money and time atod more accurately, probably saving some of both.
Dr. Elaine Scott is a family finance specialist with Virginia Cooperative Extension and is a member of the faculty of Virginia Tech. '* then you are using credit
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