As the Christmas blues show? Take the Christmas Budget Challenge.

 As the Christmas blues show? Take the Christmas Budget Challenge.

 Written by Bernie Wiemer Copyright 2005 http://www.my-wealth-plan.com

 With Christmas just around the corner, our attention has been slow to fulfill our obligations to Christmas, and is the annual Christmas rush. Unfortunately, many families do not budget for, and Navidhun credit card for the holiday period.

 Shortly after Christmas, the same family also signs of"Christmas Giving Blues", which can stomach pain, insomnia and anxiety.


 You know that feeling. Spends large load on the paper, and then the next month worrying how it intends to pay its debts, while your Christmas vowing not to allow this does not happen again.

 This is unfortunately a reality for many Families with Christmas and everything just does not seem to break the vicious circle.

 This year, for you and your family a gift of the Christmas and Budget Challengingnge and enjoy your Christmas be without Christmas blues.

 There are two parts for the Christmas Budget Challenge:

 1. Implement a strategy to help you survive Christmas with the least pain possible.

 2. Anwendeneine strategy that you enjoy your plan for the next kerst.Het plan, moreover, without even thinking about it.

 Let us start with the implementation of a plan expected to be this Christmas a little easier for his hip pocket:

 1. Take  a look at your finances and a ceiling that can afford to their Christmas. Assign a number of gifts and some of the additional costs for Christmas. This is the beginning of a Christmas event.

 2. Lasbeneficio credit card and Christmas at home with the money, if possible.

 3. Dell Tutte always the cost of Christmas. A good way for a small notebook and pen and write their shopping there.

 Buy Gifts

 4 Call your family gifts and agree that they will not bebought for children

 5 Set your Christmas budget in step 1 and luIch divided by the number of donations is necesarioArio buy. This is the best for each gift.

 Christmas Food Shopping

 6. Take your Christmas budget and a shopping list.

 7 If your purchases with a calculator, to ensure that it remains in its budget for Christmas.

 8 Save money when searching for products at the lowest price in the upper and lower racks. Trasi not headchy and its shelves at eye level, usually higher price items.

 9 tries not to buy that are on the Eniet the end of the shopping aisles, these elements are generally more expensive in the hallway.

 10. Compare the prices of similar products unond buy the product cheaper.

 11 Remember that Christmas is only one day of the year.. No need for a week's grocery money for one day.

 12. All questions on the board, food and beverages, Drinks and desserts.

  Christmas is back and the pain is fresh in your mind. You must make provision for access to and implementation of the second part of the Christmas Budget Challenge. "The next step will be to ensure that you have enough money for the coming Christmas

 1. Put all your Christmas gifts, including costs, food and other costs.

 2. Take the total cost of the Navidad Department of payment until the next Christmas.

 3. Open bank account interest with the followingcharacteristics:
 - No minimum order balance
 - Means, daily and monthly
 - Interest rate of the bank account must be greater than inflation.
 - No bank charges

 ING Direct and Citibank online banking for your Christmas budget.

 4 Organize your cleaning automáticaoBank account to your bank account balance to Christmas. These transfers, on any day of payment of the amount in Step 2. It is important that automatically, because most people do not  This plan, if it is a manual process.

 5 When the next Christmas comes around your money, and repeat the process again.

 You can get a free Excel Christmas Budget Challenge "http:// Www.my-wealth-plan.com/christmasbudget.zip spreadsheet. Use this worksheet as a budget for Christmas

 This plan is very simple and surprisingly effective and enjoy your next Christmas without the Christmas blues.

Gift Card "Rush" is the promotion of the holiday sales figures

Although the online marketing and holidaymakers have met or exceeded the expectations of most of the year 2005 there is a "rush" for all retailers to work with the gift of salvation.

 According to Hitwise, an online service, the market share of Internet research in the United States, the words "gift card" is to 32% for the week using tent on December 10, 2005 compared to theranging week.In fact, the National Retail is the sale of tickets hits with an increase of 6.6% for the duration of the celebration, at 18.48 billion U.S. dollars, with consumers, the average expenditure of $ 88 gift card or 15 dollars, 6% of their budget to shop for the holidays.

 Vouchers are a popular gift selection difficult for the recipient, or even pray for the lazy shopper. Donor for the donation, which purchase consentementet quickly to each bedrijfof select online handelaren, an amount that exceeds the budget. For the receiver, you can, what you want on the island is a trader and in most cases is to use the card for them.

 But for some people, a gift idea is a cop-out, the argument is too impersonal and tend to select a gift and something special for a loved one or a Amio. However, for some, the Gift Card is the ideal gift to offer choice, with Friend or family, even to shop of online merchants prefer.

 For operators, the extended season of celebrations Warehouse because they can not restore ° sale until the receiver adapter gift buying. This is due to the sales figures for November and December, but a bit in January, while most newspapers zurückgekauft.Ein new impetus is that most customers who use their cards hits normally spend 15% to 50% higher than the nominal value of de card check their gifts to the festivities.

 There are some negative aspects of the gift card idea. Retail gift cards are clearly not in the books or sottraendoff of the nominal value of the card will be charged a fee of inactivity (usually $ 2.50 per month) after a certain time. Some of the cards have an expiry date hits and other special conditions or restrictions. But the indignation of many states across the country on a Getzgebung prohibiting or limiting the costs. Moreover, there is no federal law on gift cards, but two of the Republicans in Congress, Texas, Joe Barton and Charlie Bass of New Hampshire asked the Federal Trade FedCommissione how the management of their concessionnairesla gift card programs.

 Is it a gift to impersonal? And the gift is the best choice? This issue was discussed and it is a personal voorkeurennz. But with the gift of the year sales should worders to 90 billion in 2007 (Ernst & Young, 2005), Gift Card to continue.