Sorry I haven't posted for awhile. Getting over my head cold, work and other obligations by the time I get home, I haven't felt like doing much.
So far I just had and head cold and not the flu that has been going around all over.
I was thinking today about that it's November already. Where has the year gone.
With the holidays coming up so do the bills, but they don't have to be so bad. One way is to make a list of people you plan to buy gifts for. By each person put down a set amount you plan to spend and any ideas you may have. Then you have an idea of how much you plan to spend. Also make a list of additional expenses you plan to have, parties, and other get togethers. Even though you only have a couple of months you can start setting aside extra money each pay check to help cover these additional expenses instead of putting it all on your credit card. With these ideas you can have a head start next year, by being able to save each month and keeping an eye out all year for gifts when they happen to be on sale.
By starting to think and look for gift ideas now, it saves going shopping for all of the gifts at the last minute when you are probably busier anyways.
I will be having future posts with other ideas about saving on holiday expenses.
Also, with the current economic situations you may want to consider if you need to purchase as many gifts as you usually do. If you visit with some family and friends they may also agree you don't have to exchange gifts. Or instead of buying gifts you could give your talents such as babysitting, meals, or other things.