The Debt Trap: How Your Life Choices Impact on Your Financial Future

1. NEVER use your credit card if you dont have the money in the bank.

2. WRITE one check in advance for the money you allocate for gifts, and write a
list of what you purchase and the cost of each purchase without exceeding the budget.

3. IF you cant afford to buy gifts, bake or hand make crafts that dont throw you
into debt.

4. DONT rely on anticipated bonuss or raises when making spending decisions.

5. WHEN purchasing gifts dont try to keep up with the Joness.

6. DONT carry too much cash since cash goes quicker when its in your pocket.

7. BE careful of excessive telephone use, since it can create huge bills if you dont
keep track.

8. GIVE several small gift certificates instead of one expensive gift.

9. GIVE of your time to help the less fortunate.

10. REMEMBER the true spiritual meaning of the season rather that the commercialism.