A holidayshopping tip for NEXT year

You’ve probably finished all of your holiday shopping for this year, so it’s the perfect time to get started on saving for next year’s budget!
Here’s a tip: Add up everything you spent this year and if it fits in your total spending and savings plan, then divide it by 10 and put that amount of money away in a separate bank account starting in January.
That way you will have money throughout the year in case you find that “perfect gift” and all of your holiday budget will be saved by October.
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