DAVID'S PLACE:

                                                                                              Tips for Holiday Shopping Try to pay cash anytime you can. It's too easy to use credit cards which cause many people to over spend.  Set a budget and don't exceed it. That way the last ones you buy gifts for don't get cheated. If you are paying with credit cards take a minute to determine the cards with the least expensive interest rates. Get the easiest gifts purchased first. The less to think about the better. Make lists of e...