You have probably seen the television commercials for layaway from Kmart and Sears. Walmart also has layaway available on toys, electronics and fine jewelry departments. Layaway is another way of purchasing items instead of credit cards. For a small fee down (usually $5 fee plus a percentage of the cost of the item as a [...]

One of the added holiday expenses is for supplies such as wrapping paper, gift bags, tape, etc. These supplies can add up, especially since they will usually just be thrown away once the gift is opened. One thing about gift bags, they can easily be reused if they have not been damaged. Some places to [...]

Yes, I know school has just started but before we know the holidays will be upon us. By taking some steps now, you may be able to take some of the stress out of the holidays. 1) Make a gift list and budget – Sit down and make a list of everyone you are planning [...]

A couple weeks ago I wrote a post about starting to plan and budget for your holiday shopping. Today on another blog I saw a post with examples of holiday shopping budgeting spreadsheets.

I know by now if you are done Christmas shopping, more shopping is the last thing on your list but if you keep your eyes open during the After Christmas sales you can save money and be ahead time next year. When I had my first apartment, I didn’t have much for Christmas decorations, but [...]

School has just started and the last thing we want to think about are the Christmas holidays. At least until you walk into most stores. Most stores have had the Holiday decorations out for a couple of months already. But now is the perfect time to get started. If you start planning now and are [...]