gift
I have heard too many times, I can’t stick to my budget because of Christmas. Seriously?
Christmas comes on Dec. 25th every year. So make a plan for it.
Make Christmas grand this year.
- Figure out how much to spend. Break it down by each gift.
- Divide total neededby the number of months until Christmas, save that each month.
- Have fun shopping. Stick to your amounts.
- January 1 decide how much you need to save for next year, divide by 12 and automatically save amount each month.
Give your self a Christmas present this year.
Peace of mind.