Christmas time can be a stressful time of year, especially if you are on a tight budget.  Below are some tips on how you can keep to a budget this Christmas.


Presents
Planning has an important role when you are shopping on a budget.  Start by making a list of everyone you are planning to buy a present for and set a budget for each person.  Decide what you would like to buy and how much you are willing to spend and then target your shopping trips to buying just these items.  Doing Christmas shop...

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