Be careful with year-end spending

Money flows: If you use cash instead of credit, you are less likely to go overboard on your spending. — AFPpic

THIS may be the season to be jolly, but it is definitely not an excuse to splurge extravagantly.

Large, attractive advertising campaigns, bundled promotions and discounted items for a limited time only often lure shoppers into “impulse buying”, leaving the consumer with unplanned purchases or holiday expenses beyond their means.