It’s Black Friday, the official start of the Christmas shopping season. Here are some tips to help avoid overspending: 1) Make a plan. If you list who you shop for and what they like, you could begin shopping when the stores aren’t heaving with customers. It’s too late for this year, but 2012 will be here before you know it. 2) Set a limit. Decide before shopping that you won’t spend more than $50 (or whatever you decide) on any one person. Then stick to it. 3) Make gifts. Nothing bought in a store says “I love you” like a jar of homemade jam or a hand-knitted scarf. 4) Suggest that your family or coworkers draw names this year, so you shop for one nice gift instead of several lesser ones. 5) Give to someone less fortunate. Serve in a soup kitchen. Donate blood. Participate in a toy drive. No, it won’t stretch your holiday budget. But it can make what you have seem like more.
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