Set limits
The best way to forecast this year's budget is to look at what you spent last year. If you didn't keep track, write in ballpark figures next to each spending category. Add up the list to get the total projected cost. If the number looks huge, start adjusting down. Will travel expenses bust your budget? Consider staying home. Endless gift list? Opt for homemade presents or set a $10 limit on gifts for extended family.
NextKnow when (and why) to pull out the plastic
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