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Five Easy Tips To Help The Pocketbook

Consumers spent an average of $850 last year on gifts during the holiday season, according to a survey by Deloitte and Touche. To help keep your pocketbook in check this year, Springboard, a non-profit consumer credit counseling organization, offers five easy tips:

Set a budget- Decide in advance how much you can afford. If you have to use a credit card, set a limit and log each purchase.
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Make a list and stick to it - Write down everyone you plan to shop for and how much you want to spend on each person. By doing this, you help alleviate impulse buying.
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Watch for sales - Scan the newspaper for sales and pay attention to when items you would like to buy go on sale. Many stores have sales as the holidays approach, so look for coupons, ads and sale information. Internet-Op provides current offers and deals from leading merchants everyday of the year. So if you can't find the offer you want try shopping online.
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Shop smart - Research the best place to buy the items you need. Most discount retailers, such as Wal-Mart,carry the same products as department stores.
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Be creative, yet frugal - If you have an artistic talent, make something. A photograph in a decorated frame or a collage can mean more to the person than a tie or CD.

"By establishing a budget and doing some smart shopping, consumers won't faint when they see their bank balance or their creidt card statement," said Dianne Wilkman, president and CEO of Springboard. "You don't want the debt to outlast the gift."

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