the people who you need to buy gifts for and put a dollar amount next to each name.
this list can be written on paper or you can create a list on your computer or phone if you prefer.
now, when you come to shop, you know how much you can actually afford to spend!
if you can, saving and shopping for gifts earlier can be a good idea.
let’s say you plan to spend $300 on gifts.
it’s much easier to save $100 a month, for three months, than it is to save $300 in one month.
you can even buy your gifts over a three month period. shopping for your gifts earlier not only 