I cannot believe that Chjristmas is just around the corner. To me , this is a vwery special time of year. Of coursem, as to many other people out there, Christmas time means a lot of shopping. This shopping can sometimes spin out of control, but here I am to offer you some advice to allow you not to spend all your money that you have, or even worse, not to spend too much money and increase your xcredit card debt.

I have discovered over the years that shopping with my family is one of the best ways to make sure that I never sopend too much money than I have to. I very rarely shop on my own as I do not want to be in debt.