It's not too early to start thinking about your Christmas budget. Take some time before the shopping season is in full swing to decide who is on the gift list. And don't forget to add those gratuity gift recipients, the mailman, the doorman, the kids bus driver, your gardener, your hairdresser etc. Also make sure to include any gifts that will be expected at the office, for the office party or gift exchange, and those that the kids will need for their parties. Yes, they add up quickly and can really break your budget if your not careful.
Careful planning can not only save you some money, it can give you a more stress free holiday. If possible once you have your list and some reasonable gift ides for everyone, start shopping now... look for sales and enjoy some savings. But, be careful...once you have found and purchased a gift for someone on your list be sure to cross them off so you don't make the mistake of purchasing another item. Also, remember that room you made in the closet a couple days ago? Find a nice box to keep all of your advance purchases together in one spot so you can find them later.
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