More Budget-Saving Tips

• Start early. That way you can comparison shop and take advantage of preholiday sales
• Don't rush. When you're stressed, you're more likely to buy silly things and pay too much for them. Block out shopping time -- ideally early in the day or on a Monday or Tuesday -- to avoid the crowds.
• Take a set amount of cash. When it's gone, stop buying.
• When you're done, go home! The less you subject yourself to the store's seductive splendor, the fewer unnecessary things you'll buy. Better yet, never leave home -- shop by catalog or online.
• Watch the weather. During winter storms, stores sometimes slash prices to lure shoppers.
• Load up on seasonal grocery bargains. Baking supplies, for example, are often on sale during the holidays.
• Shop after the holidays for next year's decorations and cards.

• Make travel arrangements as far in advance as possible and enjoy cheaper tickets and discounted rooms.
• Ship early. You'll avoid the rush rates. If you're catalog shopping, read the fine print on the order form as shipping fees can vary widely.
• Make your gifts. Even the arts-and-crafts-impaired can usually deal with baked goods, bottled vinegar, and the like.
• Entertain for less. Skip costly dinner parties and instead have gatherings that involve guests, such as potlucks, caroling, tree-trimming, or cookie-swapping parties.
• Send free e-greeting cards. These colorful Internet messages cost you nothing.