Here’s the tip from November 15 – The Holidays month:
By now you know who you are going to buy gifts for. You have pared down the list to fit your spending plan. Now is when the rubber meets the road and you actually need to start shopping. You should list a few alternatives for each person on your list, making sure the gifts are within your budget. Begin to check the internet, newspaper ads and whatever else you can think of to ensure you get the best price (or at least a very good one). If you can stand the thought of fighting the crowds remember Black Friday is a time for really great prices or maybe Cyber Monday to shop online.
To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save