9 ways to overpend this Christmas

1. Don’t set a budget

Budgets put such a damper on holiday spending. It’s much more enjoyable to not be constrained by a well-thought-out plan.

2. Don’t budget any money for giving gifts to anyone but immediate family

Sure you’ll end up buying gifts for the office party, all your friends, and neighbors, but it’s too hard to think of all those people ahead of time.

3. Don’t worry about debt

You still haven’t paid off last year’s Christmas so what’s the point in letting that ruin this year’s Christmas. You’ll still be in debt either way right?

4. Don’t even think about re-gifting

Re-gifting is embarrassing. It’s much better to store the many un-needed gifts from friends and neighbors in the closet.

5. Put off your shopping until the last minute

By waiting until the last minute you won’t be able to worry about how much you’re spending and don’t have to fuss with finding sales because there’s just not enough time to do so.

6. Make sure your kids have enough gifts

The last thing you would want is to short-change your kids by giving them only a few thoughtful gifts. Quantity is king at Christmas.

7. Buy a lot of those “gift”-type items

People love those “gift” items found at department stores. Who doesn’t like a few good knick knacks?

8. Don’t worry about price. You need to get it while you can.

You can’t afford to wait when you find an item you want. It might be gone forever if you wait.

9. Don’t coordinate with your spouse about gift giving.

It’s way too much of a hassle to coordinate with your spouse. Plus you don’t want to put a damper on each others’ gift giving.

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