3. Decide What You Need to Buy for Yourself

Money Crashers also recommends thinking about what you will need to buy for yourself in December.

Buy necessities for yourself such as food, but you may have to cut back on luxuries such as getting your nails done.

Also watch what all you add on to your order.

β€œYou can’t get stuck in a trap where constant spending on β€˜extras’ eats into your budget,” Money Crashers says.

Help Kids Decide Their Santa Wish List
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