Truly none of us really wants to start thinking about Christmas now, but if we take some time to do a little planning ahead of time we can keep from experiencing any after Christmas spending regrets that so many of us have experienced.
Come up with a realistic amount that you can afford to spend on Christmas gifts. This is the very first thing you should do before you make a single purchase.
We all want to give great gifts to those we love. The problem arises when we equate how much we love someone with the amount of the gift we purchase for them.Christmas doesn’t have to leave you feeling defeated financially.