Early Christmas shopping saves all that last-minute rushing around. If you have a plan set you can be more effective, save money, and enjoy the Christmas season more. Know who you are buying gifts for. Some people only shop for close family and friends. Other people put together Christmas presents for co-workers, the postal worker, the dog walker, hairdresser, plumber, poker buddies, kid’s teacher, and more. Decide on what you are comfortable with. Set a budget. Christmas presents should figure into your household or personal budget for the entire year,Read More