Have you saved money for Christmas gifts?

Christmas is only 89 days away. Have you saved any money for it yet?

Christmas should not be an emergency. It happens EVERY SINGLE YEAR on the EXACT SAME DATE. December 25. EVERY YEAR.

When you fail to plan, Christmas becomes an “emergency”, but it should not be that way!

When you plan your spending for Christmas, you will spend less money. Just as when you complete your monthly budget and spend every dollar on purpose, on paper, before the month begins, a spending plan for Christmas will ensure that you spend within your means.

Christmas Fund – Christmas Spending = EXACTLY ZERO

By the way, when you have saved up the money for the gifts and avoid incurring debt, Christmas is so much better!!!

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