Cornerstone Financial Planning | Financial Planners | Financial Planning | Maine, New Hampshire

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Start the year on a positive note by being smart about your holiday spending.
Leave the credit cards at home when you do your shopping (you'll be less vulnerable to theft too.)
Set a budget for gifts and pay with cash or your debit card.
Say "no thanks" when offered a store credit card at the counter. The instant savings of 10 or 15 percent off your purchase isn't worth it when you realize your new card carries a high interest rate - often 20 percent or more. And the credit check involved to approve the card can ding your credit score.