There are ways to get everything on your list on the cheap — or even for free!
Before you start bargain hunting, it's essential to understand some basic terms that will help you keep spending in check.This is not just a piece of plastic in your wallet that allows you to swipe, tap or insert to get stuff. Credit is your ability to borrow money with the expectation that you're going to pay it back, says Ruhle. The key point here is that you need to pay your bill on time and in full, otherwise you risk hurting your credit score and overall financial health.
According to Credit Karma, one in three Americans expects to take on debt during the holidays. Connecticut mom Crystal Terry said that although she makes a budget for gifts for her family, it's easy to overspend."I want to be cautious of my spending because we do want to eventually save up to buy a house."
Ruhle said that for people like Terry, it's important to remember that more joy doesn't have to equal more spending. One way to do that is to go on a
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