Christmas comes but once a year and everyone knows the exact date is December 25 every year. So why not get all of your Christmas shopping done early this year. If you do early Christmas shopping there will be no rush to finish during the holidays. Many people routinely complete their early Christmas shopping long before Thanksgiving and Black Friday roll around.
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Everyone should create a budget for all of their spending. Be sure to track things like grocery bills, travel costs, rent, insurance, and loan payments. Factor in how much your income is every month. If you are spending more than you are making, then you are probably doing something wrong. Try to sit down with a financial consultant if you need some help planning a budget.
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And of course, the classic safeguard against impulse buying is to ask yourself if you really need it. Don’t stand there and argue with yourself, and try to rationalize the purchased. If you can’t honestly answer “yes” immediately, turn and walk away. If you really do need the item, it will still be there when you’ve considered your financial state and whether you can afford it.