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By ELAINE SCOTT
Extension Finance Specialist
Many of us are very good at budgeting throughout ihe year but we go wild at Christmas time.
If we want to spend more at Christmas, we should adequately plan for it.
Look at what kinds of things we buy for Christmas "presents. We often buy very utilitarian items such as appliances or tools, or we buy things that we know the person would not buy themselves such as perfume or gadgets. We also buy lots of clothing. Look at these presents from a family budget standpoint.
Consider how much discretionary income the family has. Hopefully the family has set aside some money for holiday spending. Budget this carefully. Make a list of all the people you are buying for an upper limit on the amount to be spent.
Also note some items you are considering for each person. Then stick to your list. Once you have bought a gift for that person, cross off the name. Don’t keep buying one more little gift jftst because you happened to find something.
You want to have enough money to buy gifts for Everyone on your list and you probably don’t want to give Aunt Suzie a cashmere sweater and Uncle Harry a,/iail file. It’s usually important to eVspn out the gifts.
What if you haven’t saved enough monejg Credit card usage
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