Avoid big bills in January with simple budgeting and organizational tricks.―By Michael Kaminer
NOVEMBER 23―29: Buy your paper, cards and bows
If you didn't stock up the day after Christmas last year, now is the time to buy wrapping essentials. The selection will thin out―and prices may even rise―the closer you get to the holidays.
TIP: Make your own wrapping paper using brown craft paper that's been decorated with stamps, stickers or your kids' artwork.