Avoid big bills in January with simple budgeting and organizational tricks.―By Michael Kaminer
NOVEMBER 16―22: Look at online classifieds
Craigslist and Kijiji offer merchandise from thousands of local sellers. Always haggle; you should end up paying around 20 percent less than a seller's asking price. You save on shipping, too, since you pick up the items yourself.
TIP: For no-budget gifts, Craigslist's "free stuff" listings are worth a look.