Christmas Shopping on a Budget

I know, it is only September, but if you have a limited budget you have to start thinking about Christmas now. Christmas is the one time of year that we all try to cram a large amount of spending money with small paychecks. This is impossibility; in the end something has to give.
You have several options available to you, which can help eliminate this problem.
· Start a savings account in January that is intended for use at Christmas
· During the year shop at stores that have a layaway

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