22 Days to Christmas!

Avoid last-minute shopping. “When you join the Christmas rush, you are prone to making bad decisions because you’re in a hurry and probably too tired to focus. The tendency is to buy the next thing you see, even if it means overspending,” explains Irmina Pantanosas, vice president and treasury services manager of a bank.

“Ideally, when the –Ber months ring in, it would be good to start shopping. No crowds, no lines-time is money after all,” adds Dagny Ayaay, an entrepreneur who runs her own perfume line. EJ Nitura-Dimaano, a copywriter, who is also a savvy budget shopper, goes a step further by picking up items throughout the year and storing them in her Christmas gift sack-a practical way of spreading out gift expenses instead of shelling out a big chunk of your Christmas bonus.

Photo from:

SOURCES:

• Irmina Pantanosas, vice president and treasury services manager
• Dagny Ayaay, businesswoman/perfumer
• EJ Nitura-Dimaano, copywriter

Last November, we gave you a Thank You gift every day. In December, we’re giving away 30 Santa’s Loot Bags full of exciting Christmas treats! 

Not only are we going to help you count down to Christmas with a daily Holiday Tip, we will shower you with Christmas presents as well. Will you be one of the 30 winners? Click here to join.