• It’s the most wonderful time of the year - year round! Whenever you hear a loved one say something they want - write it down! That way, you can shop sales throughout the year, and come the Holidays, you will have all your purchases done! You will also be able to spread your budget year round, instead of spending a TON of money around the holidays.
• Shop clearance for gift ideas and stock up. I came across some towel warmers for $10!! The year before I spent $60 on the exact some towel warmer for my in-laws. Yup - I was sad!
• Set aside a “going out to eat” budget & get it in cash! You only  have the alloted amount each month in cash to spend. Once it is spent, you no longer can go out to eat. That way it really helps you to plan your meals b/c you know you can’t fall back on a dollar menu!