Are you still paying off the credit cards you used to buy last year's Christmas gifts? If so, you're not alone according to this article. There is a way take away a lot of the stress and it worked really, really well for my wife and I. First we decide how much we're going to spend on gifts for everyone including friends and family. We then take that whole amount we came up with and divide it by 12 and save that amount of money each and every month. It's as simple as that. If you go to the store with a set amount of cash, it's a pretty safe bet you're not going to be spend more than you have in hand. It teaches self-discipline. And that's the key to winning with money - self-discipline.
Buffalo News - Holiday debt a shock? Maybe you spend too much all year long
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