Black Friday, which is the day after Thanksgiving, is a big day for holiday sales. However, it’s recently turned into more like Black November, as retailers try to get a headstart over other retailers. So maybe you’ve already begun your holiday shopping, but here are a few tips that can help:
If you have a large family, draw names so you only have to buy for one person instead of, perhaps, six.
Avoid overspending on items to show your love for someone. Get a special, sentimental, but affordable gift instead. Overspending would just make it harder to make ends meet with your monthly obligations.
Most importantly, calculate how much you can afford to spend this holiday season. Overspending can add a lot of stress, so it’s best to avoid it.
If you do overspend, you can turn to CCOA to help. Non-profit CCOA has helped thousands of people create budgets and pay off their credit card debt, and can help you, too. For more strategies and a free budgeting/financial counseling appointment with a caring financial professional, contact CCOA at 479-521-8877 or schedule an appointment online. Appointments are available in person, by phone or online.