From the category archives:

Christmas Tips

Merry Christmas

by Moneyproblems TipsFri Dec 25, 2009 Christmas Tips

Merry Christmas and Happy Holidays from the Moneyproblems Tip of the Day team!

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How To Tackle Boxing Day Sales

by Moneyproblems TipsThu Dec 24, 2009 Christmas Tips

Your Christmas shopping is now finished, and you are already receiving the Boxing Day flyers in your newspaper and mail box.  What should you do?
Remember this: a great price on something you don’t need is not a deal!  Just because it’s on sale doesn’t mean you should buy it!
Do what you did for your Christmas [...]

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Don’t Buy Wrapping Paper

by Moneyproblems TipsWed Dec 23, 2009 Christmas Tips

As your Christmas shopping winds down you are now left with the task of wrapping all of those presents! Here’s a tip: don’t spend money on wrapping paper that will be used once and thrown away.
Instead, use the comics section from your newspaper. It’s colorful, and free! You can even just use [...]

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Don’t Borrow For Last Minute Shopping

by Moneyproblems TipsTue Dec 22, 2009 Christmas Tips

You are almost done your Christmas shopping, so you are running short of cash. Resist temptation: don’t borrow money to finish your Christmas shopping. Credit cards are convenient, but very expensive. Do everything in your power to pay by cash or debit for all of your purchases.
You will be happy in January [...]

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Shop Early in the Day

by Moneyproblems TipsMon Dec 21, 2009 Christmas Tips

We are down to the crunch. Only four more shopping days until Christmas. If you have not finished your Christmas shopping, this is the most stressful time of the year. The crowds are big, and selection may be limited.
Today’s tip: get to the store early, and shop at off peak times. [...]

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Make Your Christmas Gifts

by Moneyproblems TipsWed Dec 16, 2009 Christmas Tips

Christmas gifts are expensive, so save money this year: don’t buy gifts; make them.
If you have any ability to make any type of craft, now is the time to use your talent.  If you can do wood working, great!  Making gifts is more personal, and less expensive.
What if you have no talent?  No problem.  Give [...]

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Time Your Holiday Shopping

by Moneyproblems TipsTue Dec 15, 2009 Christmas Tips

It’s ten days until Christmas, and the pressure is on.  You are not looking forward to a trip to the shopping mall.  Yesterday we discussed shopping on-line; today’s tip: shop at off peak times.
Most stores have extended hours during the Christmas shopping season.  Take advantage of them.  Shopping at noon on Saturday is crazy; the [...]

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Shop On-Line For Christmas Gifts

by Moneyproblems TipsMon Dec 14, 2009 Christmas Tips

As we approach Christmas, and you dread the thought of fighting the shopping mall crowds, here’s a tip: shop on-line.  Here’s why:
First, there is no sales pressure on-line.  There is no sales person to tell you “you look good in that”, or “it’s a limited time offer.”
Second, you won’t make rush decisions at the end [...]

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Pay your Credit Card Balance in Full Every Month

by Moneyproblems TipsFri Dec 11, 2009 Christmas Tips

Yesterday we discussed using credit cards as a substitute for cash, not a way to borrow. The obvious conclusion, then, is to be sure to pay your credit card balances off in full every month. Never carry a balance on your credit cards.
If you spend $1,000 on your credit card, and then just [...]

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Credit Cards are a Substitute for Cash, Not a Way to Borrow

by Moneyproblems TipsThu Dec 10, 2009 Christmas Tips

Yesterday we discussed paying cash or debt, and leaving your credit cards at home. But what about all of the points and air miles and cash back you can earn by using your credit card? Isn’t it better to use your credit card instead of paying cash? Are credit cards really bad?
No, [...]

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