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“Once again we come to the Holiday Season, a deeply religious time that each of us observes, in his own way, by going to the mall of his choice.” Dave Berry

Christmas comes ever year on December 25. It also happens to be Hubs’ birthday! So, have YOU started prepping for Christmas yet? By now you’re probably looking at your calendar, shaking your head, and thinking I’ve lost my mind. Yes, it’s September but if you’re going to have a Christmas season without a retail hangover with the post-Christmas credit card bill headache, now is the time to start getting ready. You’ll notice I said, “prepping”, not “shopping”. Here’s what I mean…

Who will you be shopping for? How much do you intend to spend on each person? If you haven’t already started, now is the time to start putting a few bucks aside so that the Christmas crunch isn’t quite so crunchy on your wallet. Once you know who you need to shop for and how much you will spend, you can budget for it and put the money aside. Also, the A-number one rule of prepping for Christmas is to WRITE IT DOWN!! Make yourself a list and stick to it, just like any other shopping list.

One of the things from years gone by that is making a comeback is layaway. This makes me very happy since you can use this feature to purchase your gifts and pay over time without going into massive amounts of interest-laden debt. The policies of the stores offering layaway vary so check with them before shopping. I used to use layaway for my Christmas shopping when I was in high school and I’m really glad to see some retailers are seeing the value of offering it to their customers.

If you need a little extra cash to pay for your Christmas gifts, now would be a great time to apply for that part-time job you’ve been thinking about. There’s plenty of work available if you’re looking make a little bit of holiday cash. Most retailers offer an employee discount so you can make a bit of shopping cash and buy your gifts at a discount. Win/win!! 🙂 Elena Peters with Making Midlife Matter has some good suggestions for finding (or making your own!) side hustle. Click here for details…

I hope I’ve given you some good ideas for planning your Christmas shopping without the dread of the bills that inevitably come in January. Do you have any money saving or prepping tips that I haven’t covered here? Please share in the comments!

Be well and God Bless-until we meet again…

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