We are approaching the Christmas gift giving season. Don't let your gifting bust your budget. Don't get so carried away with the generosity of the season that you can't face the Visa bill in January.
When it comes to Uncle Frank don't budget that you'll get him a warm sweater. Budget rather $50 for Uncle Frank. You are safer than finding out that Uncle Frank's size plus the quality of garment you want to give him start in the $75 range.
If you budget $50 for Uncle Frank, maybe you find a sweater vest or decide on a gift card for his favorite big men's store. He could then choose between the sky blue sweater and the taupe one.
Make your gifting budget now. Remember to include costs of packaging and shipping, if applicable. Commit to your numbers and stay within those boundaries. You'll have a merry Christmas and a happy Visa statement.
'til later
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