Spreading holiday cheer doesn't have to end in a financial hangover.  It is entirely possible to purchase gifts, be festive, and participate in this time of year without blowing a hole in your budget. Here are 5 useful tips to help you stick to your budget during this holiday shopping season that you can implement at no cost to you.

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Several studies have shown a number of benefits when you buy from an independent, locally owned business, rather than a nationally owned business. This includes a reduced environmental impact, creating more local jobs, more investment in the local community, a stronger local tax base, and better service.

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