Area 4: Put Your Money To Work
This last and final step may be a bit too late for this year's savings plan, but if implemented in Jan 2009, it may find you well for the next X-Mas season .
All that hard work to save money will do no good if you just go out and blow it all on a new pair $300 designer Seven jeans or your next trip to Cabo San Lucas.
Why not make that extra cash start working for you?
Explore some investment options that will furnish financial returns such as money markets, certificate of deposits or savings accounts.
By no way are these steps a complete and all encompassed financial strategy.
There are several different variables which must be factored into your individual financial savings' equations. But, by taking these baby steps next year's Christmas spending will be more enjoyable for all!