Ho-Ho-NO: 7 Ways to not Break the Bank this Christmas

Get a Friend to Talk You Down

  • Pad your emergency fund or your financial disaster survival kit.
  • Throw it against existing debt.
  • Make a larger-than-usual payment on your mortgage.
  • Add it to your Roth IRA or some other retirement plan.
  • Create a sub-account in your online bank account that’s devoted to a bigger-ticket item (say, a trip to Ireland).

Brainstorm Smarter Alternatives.

Avoiding Opportunity Cost

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