10 Types of Christmas Shoppers: Which One Are You?

DAVE'S eNEWSLETTER December 2012 | DAVERAMSEY.COM | View this email online? Click Here. | Forward to a friend

At some point in the next few weeks, you'll probably head out in the masses of Christmas shoppers. You'll brave the lines, battle the elements, and sit in the traffic, all to find that perfect gift. While you're out there in the crowd, you'll encounter a wide variety of Christmas shoppers—some of them are normal, but most of them are, well, interesting. To help you identify your fellow shoppers, we've created this handy guide. It's like a safari guidebook to help you identify wild, carnivorous animals. Except Christmas shopping is only slightly less adventurous than a safari, and most of these shoppers probably will not eat you. But, still, you need to be prepared. So watch out for these folks ... Investors, Resist Holiday Temptations! As you soak up the traditions and togetherness, it's also important to keep an eye to the future. Investors, we're talking to you! Don't be tempted to use your investing budget to splurge on shopping. Find out the impact doing so could have on your long-term goals. Creative Budgeting Tips for Christmas and the Entire Year How do you put together a spending plan in April, or nine weeks out from the event, or while planning for a party that's 11 months from now? Leave that to the members of My Total Money Makeover! Their ideas are easy to implement now and all year long. DaveRamsey.com Month in Review • Christmas Traditions That Stand the Test of Time • 5 Questions to Ask Before Christmas • The Perfect Christmas Sweater on a Budget • 7 Things to Do in Mall Traffic Dave's Money Tools Other Great Tools Totally redesigned and easy to use! Start taking control of your money with the online Gazelle Budget tool! Learn more! The Goal Tracker The Debt Snowball Investing Calculator Mortgage Calculator More Money Tools Also Included in This Issue: Stupid Tax: Check Your Cell Phone Bill Carefully! We Did It!: The Best Christmas Present to Ourselves Get Plugged In! Where's Dave? Employment Opportunities New Radio Station Affiliates Where's Dave? Living a Legacy February 6, 2013 – Knoxville, TN March 7, 2013 – Las Vegas, NV April 24, 2013 – Des Moines, IA May 16, 2013 – Cincinnati, OH EntreLeadership 1-Day March 6, 2013 – Kansas City, MO April 23, 2013 – Austin, TX May 17, 2013 – Cincinnati, OH EntreLeadership Master Series May 5–11, 2013 – Nashville, TN Speakers Group December 7 – Christy Wright – Quinlan Independent School District – Quinlan, TX January 5 – Chris Hogan – Church of the Highlands – Birmingham, AL Want to bring one of Dave's speakers to your group or event? Find out how. Radio Affiliates Find a station near you! There are more than 500 affiliates nationwide. City and State Radio Station Air Times Laconia, NH WEZS-AM 1350 M–F, 10–12 p.m. ET Hinton, WV WMTD-AM 1380 M–F, 2–4 p.m. ET Cleveland, TN WBAC-AM 1340 M–F, 9–12 p.m. ET Columbia, SC WVOC-FM 100.1 M–F, 8–11 p.m. ET Highland, IL WQQW-AM 1510 M–F, 1–4 p.m. CT

This message was intended for: ignoble.experiment@arconati.us Update your preferences | Unsubscribe © 2012 Lampo Licensing, LLC. 1749 Mallory Lane, Brentwood, TN 37027 - 888.227.3223 Privacy Policy