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Make a Holiday Budget and Stick to It!

What’s the best way to know you’re making the right holiday-shopping decisions? Know your budget and stick to it. Don’t have a budget you say? Pa-shaw! Pick up a pen right now and write down how much you can afford spend this month on gifts, meals, travel, cards, wrapping paper, shipping, in TOTAL without going into credit card debt. That, my friends, is your budget. Now, don’t budge… No matter how shiny the ‘ice’..!