grand central 1. Allocate a certain amount for each person and don’t exceed your total budget. 2. Look online first for special internet prices offered by many big-name stores. 3. Pay cash when possible, and only charge what you can pay off at the end of the month. 4. Model good buying habits for your grandchildren and don’t overspend. 5. Consider something sentimental you can make instead of buying trendy gadgets. 6. Do family activities over the holidays that take the focus off spending. 7. Starting December 26, stock up on wrapping paper and cards for next year (stores offer deep discounts on these items immediately after the holidays). 8. Put money aside for holiday purchases ahead of time [OK, something to do next year for sure!] Prudent Money radio show and author of Deceptive Money . Wise men say 8 tips for smart holiday shopping (if you’re already tapped out after Black Friday, remember them for next season): 12 GRAND DECEMBER — Bob Brooks, host of the Click and connect to more resources instantly where you see this symbol: http://www.prudentmoney.com/ http://www.deceptivemoney.com