Avoid Holiday Debt — Acme Corp Wellness

• Set a limit on what you will spend.

• Make a list before you shop.

• Buy from stores that offer layaway plans.

• Avoid impulse buying. Leave your credit cards at home.

• Shop less – in stores, online, and while watching TV.

• At family gatherings, discuss ways you can all spend less on gifts. Make a resolution to start a monthly savings account to use for holiday spending.

Action Steps for

Health & Happiness

Avoid holiday debt

Yes

Comparison shop. Check out prices online and in-store ads. Use coupons for items on your list.

Don’t go overboard, even during sales. You’ll save 100 percent on items that you don’t need.

Pay with cash or a debit card.

Don’t charge more than you can pay off when your balance is due.

Give yourself a present. Keep holiday spending within your means.