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	<title>Comments on: Lowering Your Holiday Spending</title>
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		<title>By: Ember Perry</title>
		<link>http://www.micash.net/personal-finance/lowering-your-holiday-spending/comment-page-1/#comment-168</link>
		<dc:creator>Ember Perry</dc:creator>
		<pubDate>Mon, 28 Dec 2009 02:14:18 +0000</pubDate>
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		<description>When it comes to holidays, I make sure I don&#039;t use my credit card and instead, buy gifts using my own &quot;cash-in-hand&quot; money. The only secret that I have is that as early as August or September, I already set aside money depending on how much I save. By the time November comes, I already window shop to the stores where I will buy my gifts and list them down. Once December comes in, especially during the second week, as much as possible, I try to buy every gift I need to buy. In terms of group gifts like officemates, as much as possible, I try to get them at bargain stores or buy in bulk so that I can save even for a little.

This is really an interesting post guys! More power to you.</description>
		<content:encoded><![CDATA[<p>When it comes to holidays, I make sure I don&#8217;t use my credit card and instead, buy gifts using my own &#8220;cash-in-hand&#8221; money. The only secret that I have is that as early as August or September, I already set aside money depending on how much I save. By the time November comes, I already window shop to the stores where I will buy my gifts and list them down. Once December comes in, especially during the second week, as much as possible, I try to buy every gift I need to buy. In terms of group gifts like officemates, as much as possible, I try to get them at bargain stores or buy in bulk so that I can save even for a little.</p>
<p>This is really an interesting post guys! More power to you.</p>
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