Make it through the holidays debt-free with 10 budget-smart tips
Before you start shopping, decide what you can afford to spend. Then list all the people you purchase gifts for and assign a dollar amount to each. Organizedchristmas.com has a free downloadable budget form that lets you track your holiday expenses (including nongift expenses, such as food and cards). Or for $6, invest in a budget that you can update online at mychristmasbudget.com.
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