It’s only January, and we just emerged from last year’s Christmas chaos.
But now is the time to start preparing for this year’s Christmas…specifically when it comes to your budget.
How many times have you entered December frantically trying to find money for presents, cards, and postage for all those Christmas letters?
How many times have you looked at the credit card statement in January and cringed at how much you’ve got to pay off?
Living paycheck-to-paycheck contributes to these problems, but the primary issue is one of budgeting.
Luckily, there are several ways to get on top of your Christmas spending and start budgeting for Christmas now, instead of way later in the year.