Keeping Costs Down at Christmas 

By- Marion SyversonGet organized- Please use a list and pare it to who really needs gifts. Money isn’t a substitute for love so don’t mistake the two.Give group gifts- Can you buy a group gift of a great game, puzzle or event, like a dinner? Can you offer babysitting or another gift that is time versus money? Think out-of-the-usual box for a unique expression of thoughtfulness.Know the recipient- How many gifts have you received that were not even close to what you might use? It’s better to save your money than to spend it without thought and care. Know the recipient or don’t give a gift at all.Could online be cheaper?- Online retailers are offering discounts and offering cheap or no-cost shipping for gift giving. You might save time gas and travel buy doing some shopping online.No impulse buying- I have had really good intentions and started my shopping really early only to be sidelined by impulse shopping as Christmas approaches. Only buy what you have decided to get and stop shopping. Bake, do kind deeds, but stop shopping!Disclosure:Only securities and advisory services offered through Wall Street Financial Group, Inc. Registered Investment Advisor. Member FINRA/SIPC. Norumbega Financial, Wall Street Financial Group, Inc., and all other companies listed herein are separate entities, independently owned and operated.