QUICK FINANCIAL TIP: CHRISTMAS IS NOT AN EMERGENCY--I know, I know it’s not even Halloween yet but I wanted to get the gears turning and the brains thinking about plans for Christmas spending. Christmas is not an emergency-it’s an expected, irregular expense that comes around once every 12 months. Making it a part of your budget TODAY will help you avoid the December budget busters and the January financial hangover!
Tip 1: Christmas is NOT an emergency
Tip 2: Set reasonable expectations
Tip 3: Shop EARLY and AFTER
Tip 4: PLAN to give to those in need
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