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Back to FOX & Friends tonight of course we marked the first -- Honecker in the countdown to Christmas is already on for many Americans but according to consumer reports 36%.
Haven't even started their holiday shopping yet.
So how can you avoid breaking the bank and you scrambled to the stores this holiday season joining us now is financial group and writer for Dave Ramsey organization Rachel cruise Rachel nice to see this morning.
-- -- -- -- So you have some tips that we can try to avoid it breaking the bank because I think if you wait.
Drag your feet it is he's kind of the you become rash -- of spending too much right.
Absolutely -- a key here is to be intentional to the best thing to do is to be on a budget this holiday season.
-- make it less than ever when it's gonna buy gifts for their right a dollar amount next to their name and stick to -- it has been very very intentional where your -- going.
How do you stop mission creep though because that happens in our family right we -- the spreadsheet we say -- -- look we're just doing one gift per family -- this is what we're doing this year and then suddenly it's too.
And it's three how does that how do you stop that from happening.
That's a good question I mean you know you you just have to be intentional again and stick.
To what the budget stats and you have to say no matter what this is what we're doing and a great thing to do is to use -- You can actually cast -- the amount of money you planned to spend and put an envelope.
And what's the money's gone it's gone is about -- -- like an accountability partner if you well what it comes suspending so don't grab the credit cards and which I -- brings us to your third point here with -- right.
Don't go into debt for these things.
Exactly if you don't have the money.
Don't diet you know it's -- -- into January and all the bills come -- you regret what you did in December.
It's on the front and say you know I'm not going at the data out I'll do some extra work make some extra cash I have to.
And just be honest with your friends and family about your situation say hey.
This -- you know we're not gonna do guests.
One of the things though I mean at what that's that that is hardly what we need like a doctor -- to come on to tell us how we can all agree he's a family -- -- do gifts this year we're gonna just.
Get together have a meal.
But you go to these sailors right and you get these credit cards they offer you give all these offers right you can save 10% here target if you do the issue we are we here at this particular story of Macy's you can see this amount of money.
How do you not fall for that it seems so enticing with an extra savings.
Yeah I guess it does but I guess you realize that credit cards her people more than they help -- -- -- -- just stay away from all credit cards even if it.
Seems like a good idea in the moment it's not in the long run.
-- -- -- -- -- where can people find out more information great tips from you.
Dave Ramsey dot com.
Dave Ramsey dot com always a great way to get out of debt pay attention would be necessary and Rachel as well -- -- have a great Christmas.
Thank you to -- Christmas thank you coming up on the show.
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