As holiday shopping season is in full swing, it may be useful to exercise some caution with spending. Often people become so caught up with buying gifts that they exceed their budget. If you tend to do this, use this charm to help you spend wisely during the holidays. Wrap a dollar bill with one green ribbon and one black ribbon. As you wrap the ribbon, and tie each in three knots, say these words:
Wisdom guide me in my quest
To find my loved ones what is best;
To find all that I need and yet
Keep from ending up in debt.
Tuck this away in your pocket or purse while you shop.