Gail Vaz-Oxlade's tips on how to stick to a budget over Christmas!
I love Gail Vaz-Oxlade from the TV shows Til Debt Do Us Part and Princess. She knows what she's talking about when it comes to your finances. She's a financial writer and author of the book Money Moron.
Here are some of her tips to get us through the holidays so we don't over spend on Christmas presents:
Make a list and check it twice
Make a list of names of who you're buying for and what the budget is for each person.
Use the most effective form of payment - some credit cards come with safety features like insurance so if something is lost or stolen before given for Christmas they can be replaced.
Make sure to keep a running total of what you're spending so you don't go over budget.
Protect your pin info.