12 Days to a LESS Stressed Christmas – Day Three

Day -  3 presentGifts – most of us like to receive them and some of us like to buy them – when our list is reasonable and not too long!  If money is tight (even if it isn’t) it’s a great plan to budget what you are going to spend, and how you are going to pay for it!  Make plans right now and you won’t have that “sinking” feeling when your credit card bill comes, or you see a lower check account balance than you expected!

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