Answer true or false to help evaluate your spending patterns during the holidays. I save up for the holidays well ahead of time so I can pay for my purchases with cash, not credit.
Every year I make a gift list with a dollar limit for each person.
I set and stick to a budget for all of my holiday spending, including travel, meals, decorations and gifts.
I do not feel pressured to outspend friends and family during the holidays.
I prefer to give meaningful, often homemade gifts rather than expensive ones.
I comparison shop for holiday gifts and other purchases.
When I shop online, I stick to sites that offer free shipping.
If I use my credit card for any holiday purchases, I pay off the balance quickly.
I try to avoid last minute purchases.
Rather than buy a present for every niece, nephew, aunt and uncle, our family tradition is to draw names and set a dollar limit for a single gift.
I always inventory last year's wrapping paper, gift boxes, and bows before running out to buy more.
When I see the perfect gift for someone, I buy it and put it away for the holidays, no matter what time of year it is.