Rachel Ramsey Cruze, daughter of Dave Ramsey, shares some great ways to be smart with your money during the Christmas season. More tips from Rachel: Make a holiday budget. • Make a list of everyone you are buying a gift for. • Put a dollar amount next to their name. • Make sure to include extras like parties and gifts for coworkers. • Check out mychristmasbudget.com: a free, online tool for budgeting. Don’t panic if you haven’t started saving! • Once you’ve created your budget, see if you’ll be able to set aside enough cash. • If you’re short on cash, pick up some extra work to make extra cash. • Give of your time and talents. • Let friends and family know your situation if you can’t afford gifts. Don’t go into debt for gifts. • Put the amount of cash you plan to spend in an envelope. • Once the money is gone, stop shopping! Avoid signing up for credit cards to get “extra” savings. • Don’t go overboard – your kids won’t remember every single toy they received and they won’t be traumatized if they don’t get the latest “it” item. Back to all posts Tags: Rachel Cruze Wally Please enable JavaScript to view the comments powered by Disqus. blog comments powered by Disqus