Every department, every fashion boutique knows that the end of year sales period is where they can make up for lost sales or just offload extra merchandise. There are many of us who get caught up in the end of year shopping binge and excitement, this can lead to a high debt levels and post Christmas financial stress in January and February, longer for some people.The same story can be said for the boxxing day sales or stock take sales. A couple of things that are important to remember:
1.plan how many gifts you are going to buy
2.Always set a a budget or limit per gift.
3. TRy to avoid using the plastic money
4. Only buy things you need and will use
5. Set aside important money for the rent/mortgage, food and other basic necessities\
Remember, shop smart and don't get sucked into the clever marketing and shopping hype.
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