Don’t let the financial burden of this holiday season last until next summer! Use the steps below to help make the most of your holiday spending:

Make a Budget – Set a realistic amount of how much you can spend this holiday season. Remember to include food, gifts, transportation, and clothing costs.

Shop with a List – Make a list of who you’re buying for and set an amount for each person. List gift ideas before you go shopping and try to stick to your list.

Pay with Cash – Don’t shop with money you don’t have and leave your credit cards at home. If you must shop with a credit card, use a low-interest card and use it sparingly!

Comparison Shop – Before you shop, check catalogs and the internet and compare prices on gifts you plan to buy.

Consider Alternative Gifts – Gifts don’t have to be expensive to be meaningful. Consider making meals, providing baked goods for family and friends, spending time with a friend doing something you both enjoy, or volunteering your time to babysit or dogsit.