Christmas shopping…. The plan!

I love Christmas! I love seeing peoples' faces when they open a gift they just love. BUT it has to be planned on my part. I make a list and figure out how much I can afford to put in to the total gifts and then start to break it down. If I don’t do this, the budget gets blown out of the water.

I normally do this just for the gift portion, but I came upon a good spreadsheet that includes all the extras of Christmas such as wrapping, food, baking needs that make the entire season jolly! Take a look and use it to plan your Christmas season and avoid the January pains, when the credit card bills are opened!