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rises dramatically during the holiday time. Keep track of the amount you charge. Don’t charge more than you can pay in three months. Anyone who is still paying Christmas expenses in April certainly overspent in December.
Consider the amounts budgeted in each expense category. Some of this money could be used for holiday giving and still provide the needed items for the family.
If the washer/dryer needs to be replaced, is Christmas really the appropriate time to buy this and who gets the gift, (mom or dad)? Does mom really want a hand blender/mixer or is it just the popular item on the TV commercials?.
Think about the gifts you buy and the purpose they serve in the household. Personal gifts are things that one person will really enjoy. Family gifts are things that benefit the whole household. Personal gifts are very appropriate at Christmas. Family gifts may or may not be.
Consider if these large items are on sale. Christmas time may not bring you the best buys on these items.
Most families budget a certain amount of money each year on clothing and personal care items. The family may decide to spend a big chunk of that clothing budget at Christmas time. This will usually work out well. We often see some items on sale around the holidays so we can get some good buys.
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