I heard the first Christmas carol of the season today. Only 44 days till Christmas. While I LOVE everything Christmas, it has proved to be a budget buster for us year after year. Both myself and my hubby overspend. I am really hoping to make this year the exception. I have about $350 left to spend for family gifts, $250 left to spend on my husband's presents, and no clue on what my husband has left to spend on me. I am determined to stick to my guidelines!
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