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You’re well into the holiday shopping season and these tips may be too little, too late for many of you. Make a list of everyone you plan to give holiday gifts to this year with an estimate of what you want to spend. Once you have an idea of what you’re going buy, comparison shop on-line. image via Wikipedia.
It tracks the balance between what you own (like savings and investments) and what you owe (like creditcard debt or loans). For instance, seeing your creditcard balance decrease while your savings increase can be incredibly motivating. It shows you’re making progress and that your budgeting efforts are paying off.
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