CHRISTMAS BUDGET

It’s the day after Black Friday and a few days before Cyber Monday.  Have you already blown your budget?  Did you write your budget down on paper?  This is the first year that I designed a budget tracker that I will use, record purchases and modify for next year.  Once I see what I want to spend next year, I will divide that by 12 and put that into my family budget so that all through the year I am putting money away in a safe account for holiday purchases.  It comes every year without fail so I am going to be more prepared next year! It sure reduces the stress I am sure!