Christmas is an expensive time of year. The things that I've seen people do to afford the perfect Christmas is heartbreaking. Taking out loans, maxing their credit cards, the list goes on.
At the end of the day stuff is really just stuff. It's easy to get caught up in the ads and deals. This is why it is important to plan out Christmas every year and budget responsibly. This goes for everyone! Here is how I plan for Christmas. Step #1- Make a list The first thing I do before any shopping is sit down with a piece of paper. I start by writing everyone I plan on buying a present for.
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