1. Create a budget this holiday season and stick to it.
2. If you are buying gifts with credit cards and carrying that balance on your credit cards, rank you credit cards from the ones that you pay the highest interest rates on to the lowest interest rates. Then use the credit cards with the lowest interest rates first when you are shopping for gifts.
3. Do not impulse buy any gifts. Research your gifts online first to get the best prices.
Do you agree?
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