I’ve always believed in budgeting. Setting up a budget may be easy, but sticking to it is hard. When shopping for Christmas, it is very important to allot a particular budget so you don’t overspend, or worse, don’t get to buy all the items in your gift list.
Compared with last year’s budget, I have less money to spend for Christmas gifts this year. Why? Because 2013 is the year we vowed to reduce our debts, and I think we succeeded in doing so though we still have to clear out a few more next year. This means I will have to rely on my expertise when it comes to budget shopping. Haha.