The holidays are quickly approaching and in this economy it's sometimes hard to find the funds for those little extras, let alone Christmas gifts. For the past couple years, I have had a Christmas Club account. I have a automatic transfer put $35 a paycheck (biweekly) into the account and come October when I'm ready to start really shopping the money is there waiting for me. And the funny thing is that all year I never missed the money going into the account. Not once.
Another tool I use to help plan and control holiday spending is an excel spreadsheet. This may sound uber-geeky but I use it to make my list and layout a budget for each member of the family. Since I start shopping really early it helps me to not over-spend and keep things relatively even.
If you're looking for some more money saving tips, check out these articles I found on the web:
Find $1,000 by the holidays
Seven daily routines to break
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