Tag Archives: plan ahead

I know…it is only September…but I already have half of my Christmas shopping DONE!  The motive for starting so early?  I’m tired of stressing out during the holidays! The reason I’m starting so early has to do with money.  If I began now, I could spread the cost of gifts over the course of several months, instead ofContinue reading “How I am avoiding a stressful Christmas this year…”