Can you hear it in the air? Tiny bells and beeps indicating you’re spending far too much money at Christmas again. Well it doesn't have to be that way; you just have to adjust your thinking a bit.
I personally like to start shopping for Christmas starting the week after Christmas. Why? Wrapping paper and cards are cheap and if you have the storage space it is a great cost saver.
Then on Jan 1, I start putting away $150 a month into my ING savings account, so by next Christmas I have my $1500 saved for buying presents before I buy my first present. When I go to actually buy the presents I look for things people will really enjoy rather than worrying if I'm not spending enough. If I end up under budget I just get a nice present for myself on Boxing Day when the sales are on.
Happy holidays every one.
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