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Holiday Time Savings

Tips on Finding Cash for Holiday Expenses

By Gail Cunningham Many people are entering the largest shopping season of the year financially ill-prepared. For some, the ghosts of Christmases past are still haunting them in the form of unmanageable credit card debt. For others, finding $800, the amount the National Retail Federation estimates that consumers will spend during the holidays this year, is seemingly beyond their reach. For the many Americans who struggle to meet daily living …Read More

Never Overspend on the Holidays Again – Guaranteed!

By Jesse Campbell You might not want to hear this. “Nope, nope, nope,” you might say. It’s no use. The holidays are coming. Did you set a holiday budget last year? Did you keep that budget? If you didn’t, don’t worry. That was last year. This is the year you’ll stick to your holiday budget – guaranteed. How? By following these five simple steps. Forget Last Year One of the worst …Read More

Take Control of Your Holiday Spending

By Ashley Hagelin It is amazing how easy it is to go way overboard during the holidays. We all tell ourselves, I am not going to over spend, over eat, or over commit but sure enough we find ourselves way beyond the limits we set for ourselves. However, part of the holiday magic is the ability to completely justify to ourselves what we are doing while we are doing it…yet …Read More

Don’t Let Black Friday
Lead to the January Blues

By Gail Cunningham Americans can be generous – to a fault – and never is that character trait more evident than during the holiday shopping season. At this time of year, millions of people put their financial common sense on the shelf, tucking it away into a winter hibernation of sorts, thereby making it much easier to take part in the once per year phenomenon known as Black Friday, the mother …Read More

Creating a Plan for Holiday Spending

By Jana Castanon No, it can’t be! Just as we are packing away summer’s paraphernalia, retail stores are bulldozing ahead making sure we are aware that the holidays are coming. Halloween will be here in no time with Thanksgiving and the holiday season not far behind.  But is your pocketbook ready?  Before the hustle and bustle begins take control over your finances so they do not take control of you.  …Read More

Cool Tips For Summer Fun That Don’t Break The Bank

By Gail Cunningham When school let’s out every summer, the thoughts of children and families across the nation turn to fun-filled summer days. But rather than letting summer break the bank,  inexpensive activities can pass the sunny days with the children without missing a beat. Visit the local library. Most local libraries provide regular storytelling programs that provide an air-conditioned break that keeps even the youngest and oldest reader’s learning skills sharp. …Read More

Low and No Cost Gift Ideas

By Sara Gilbert The November poll hosted on the NFCC’s website, www.DebtAdvice.org, revealed that 40% of respondents do not intend to spend any money on holiday purchases as they anticipate experiencing further financial distress in the future. The poll sends a strong signal that a significant number of people lack enough confidence in their financial future to begin spending, even on traditional holiday expenses.   “Historically, consumers have put aside …Read More

Consumers Dreaming Of A Black Christmas

By Gail Cunningham While retailers are busy trying to stimulate enough holiday sales to put them into the black financially, consumers are dreaming of a black Christmas, one that keeps them in the black on their personal ledger sheet. Although Black Friday and Cyber Monday spending tempted millions of shoppers to part with some cash, or at least pull out the plastic, many have now not only returned to financial …Read More

Temporary Holiday Income May Buy Consumers The Gift Of Financial Stability

By Gail Cunningham It is estimated that close to 500,000 people may find temporary employment  this holiday season, putting some much-needed money into the wallets of consumers who haven’t had a paycheck in months.  There will be many legitimate uses for this money, but it will only stretch so far.  Therefore, the NFCC suggests prioritizing the use of this money in the following order:  Bring all living expenses current – …Read More

Top 5 Free Black Friday
& Holiday Shopping Apps

According to the National Retail Federation, 152 million shoppers plan on braving the Black Friday crowds this weekend and will spend an estimated $465.6 billion at retail outlets during the 2011 holiday shopping season—a 2.8 percent increase over 2010. Widely recognized as the busiest shopping day of the year, retailers nationwide will open their doors in the early morning hours on Friday to kick off the 2011 holiday shopping season …Read More