It’s hard to believe that November is just around the corner. And it may still seem a bit early to plan for Christmas or Hanukkah, but the key to not going over-budget through the holidays is to plan ahead. Here are some simple steps to help.
1) Make a list of the people for whom you need or want to buy a gift.
2) Make a list of gift ideas for each person, including the dollar amount you plan to spend on them.
3) Start researching prices on these items. Perhaps you don’t intend to shop yet, but by knowing the prices now, you can determine if the sales are really a good deal or not.
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