After Christmas sales can be very tempting. You may want to buy all the things on your Christmas list that you didn't get. But do resist that temptation (unless it's something you've desperately needed for the 3 months since you've put it on the list).

Here are things you should buy during the after-Christmas sales:

• Christmas serverware (if desired).
• Christmas cards (for next year).
• Wrapping supplies (gift bags, ribbon, paper).
• Decorations to replace anything that's beyond it's useful service life.
• Decorations you've been meaning to buy but always found too expensive. If they are marked off 60-70%, they should be about right.

Try to get to the store before Friday for the best selection, especially for cards.