Free Tools Help Tame Holiday Spending

Keep your spending in check this holiday season with the Stop! Think! Save! Toolkit.
 
Nov. 24, 2009 - PRLog -- Keep your spending in check this holiday season with the Stop. Think. Save! Toolkit. - Chicago, IL, November 24, 2009 – With Black Friday quickly approaching, it is time to start thinking about what we will be buying and how much we want to spend on gifts for family and friends. This is easier said than done. Most of us start off our shopping with great intentions-we will only spend a certain amount on a limited number of gifts. However, by the time we are done, we have usually spent far more than we intended to.

How does this happen?  Many fail to consider the emotional aspect of spending. Michael J. McAuliffe, President of Family Credit Management Services explains, "Many of us sit down before we go out to do our holiday shopping and make lists, but then lose perspective when we’re out in the stores.  It’s especially hard to keep our spending in line when we’re buying for others. We equate gifts with love. The more we spend, we more love we are showing our families."

For many of us, this pattern of over-spending is no longer an option.  Financial experts with Family Credit Management Services have created tools to help snap you back to reality when you feel the urge to spend impulsively and break your commitment to money management. "These tools will immediately bring you back to reality and help you keep your spending in check," says McAuliffe.

A credit card sleeve inscribed with the motivator: "Put me back! Your goals are more important than this!" prompts a consumer to take few extra seconds and ask whether the purchase is something really needed. When making impulse purchases, many use credit cards so the immediate pinch isn't felt n the monthly budget. These few moments give your inner voice the opportunity to talk you out of that impulse buy.

Changing small spending habits by using the Stop. Think. Save! mindset can quickly turn your financial situation and put you on the road to successfully achieving all of your goals during the holidays and all year long.

If you need additional money management advice, or to request the completely free Stop. Think. Save! Toolkit, log on to www.stopthinksave.org or call 800-994-3328 for additional money saving ideas.

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Family Credit Management is an national, ISO registered, HUD certified, non-profit agency providing solutions for those seeking financial assistance. FCM is licensed in over twenty states and has been servicing consumers for twelve years.
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