planning for Christmas

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calculating kids

i LOVE giving gifts to people at Christmas, it’s so much fun. there is something so gratifying about finding that “perfect” gift, the one you know will be loved and appreciated. being crafty as i am, i’ve handmade a lot of gifts for friends and family, but i’ve got some family members who are as into the handmade gift-that’s okay too.

whether handmade or store-bought, giving thoughtful gifts at Christmas-time is something i value greatly. i think it probably means more to me than the person receiving the gift.

the thing about giving gifts is that it can be stressful, because it costs money. and giving gifts is just ONE of the expenses that usually comes along with Christmas. we send out christmas letters with a photo card, we go out to eat a little more often around the holidays, we travel, we give more money away, and we just generally spend more money.

i’m not complaining, i love this time of year, and i love all the things that go along with it. even the spending money part. after all, it’s easy to spend money when you have money to spend! here’s how we plan for the Holidays financially:

at the beginning of 2011, we decided on a reasonable amount to spend on Christmas. we actually doubled what we tried to spend last year, because it was too hard to stay within such a small budget. then we divided that number up into monthly increments and saved a little bit each month for Christmas. instead of catching us by surprise, gift-giving is something we can do with out feeling sick about how much we’re spending. i’m so grateful for that.

i also am in the habit of Christmas shopping throughout the year. if i find a really great deal on something, or find something really unique that i know someone will love, i’ll buy it then and just pull the money out of our Christmas “envelope.”

what are your plans for Christmas spending? how early do you start putting money away? how do you save money during the Holidays?

have a great Thanksgiving tomorrow!

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