Save Big On Christmas: Make a Budget

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100daysbudgetThe number one rule of good finances is making—and sticking to—a budget. Do this for Christmas and you’ll be set! To start, list out the different areas of your Christmas budget: gifts, decorations, baking, and anything else you always spend money on. List a realistic amount that you are able to spend on each area of your budget. Keep track of the money you spend on Christmas items and list it on your budget. When you hit the amount you budgeted for, you’re done! You can’t spend any more money without taking some from another area of your Christmas budget.

When you get to gifts, you have to break it down even further. Make a comprehensive list of everyone you need to buy gifts for. Look at the amount you have budgeted for gifts and give a dollar amount to each person on the list. That will keep you from spending more than you planned and it will keep you accountable for everything you buy for Christmas.

After Christmas, assess your budget and find any areas that you didn’t stick to it. If you overspent in one area, think about budgeting more for that area next Christmas. Once you’ve followed a budget for a few Christmases, it will be like second nature!

Here is a Christmas Budget Worksheet you might want to download.

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