It’s here, the time of year we say it’s not about the presents — and yet we spend like it is. The question is: Do you have a method to resist the annual spending spree if your money is tight? More than 147 million people plan to shop Black Friday weekend this year, according to the National Retail Federation, which also is forecasting that holiday sales in November and December will increase 4.1 percent to $586.1 billion. As my holiday tradition every year, I try to find some way to keep the spendthrifts and heavily indebted from caving in to the pressure to buy when they don’t have the cash.
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