One of the latest products which is going to be costing you more is peanut butter. Peanut crops were severely affected because of the drought in the south this summer. Due to the shortage of peanuts, the price of peanut butter and other products containing peanuts will be increasing in prices.

Some peanut butter companies have already raise their prices by a least 50 cents and some reports predict prices could increase up to a dollar a jar.

I have written previously about stocking up on items you use regularly when on sale. In addition to this, it may be wise to start stocking up on items (1 or 2 extra) of products you use regularly now before prices start increasing on other products.

Also, with holiday baking coming up, consider what you are planning on making and what items you will need to buy. Now would be the time to stock up on peanut butter and other nut products to save money.

With the prices of peanuts increasing, this also means that in most cases the candy companies that use peanuts will also need to increase their prices, it they have not already because of other costs increasing such as gas.

Sales ads have always been part of the Sunday paper and now they have found their way into most other days also. They can be helpful for you to see what is on sale at certain stores, but they can also make it more tempting to buy things you may not necessarily need.

With the holidays coming up there will be more ads in the papers than normal and many stores will have toy catalogs. These can be helpful to get ideas for people and have kids make their lists. However, it is also important to stick to your gift lists and not just buy something because its on sale.

If you have a problem of shopping and spending more money than you can afford to spend, one suggestion is to try to stay out of the stores as much as you can. Besides staying out of the stores, also resist of temptation to spend more by not looking at the sales ads unless your are looking for something specific you need.

Gift giving has become an important part of the holidays but with the current economic conditions it is more important than ever to keep your spending within your means so you can enjoy the holidays instead of being stressed about the extra debt you may have taken on.

This is part of a 90 day series with tips to help make your holidays easier. Click here for previous posts.

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Nancy Kvamme