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Financial Planner Offers Advice For Holiday Shopping

Financial advisor suggests keeping the plastic at home when you head to the stores.
Financial advisor suggests keeping the plastic at home when you head to the store.

ST. CLOUD — If you can’t pay cash, don’t get it. That’s the message of a financial councilor from Lutheran Social Services, as you start to ramp-up your holiday shopping.

Ruth Hutchins says putting yourself into debt just isn’t worth it. She says, if you put $500 on your credit card and pay just the monthly minimum, you’ll still be paying for this year’s Christmas presents four years from now.

She says a better alternative is to bake your gifts for some people, and put more of a focus on family traditions — not the presents.

Lutheran Social Services offers free financial counseling year round.

Resources:
Lutheran Social Services website
1-888-577-2227

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