It's that wonderful time of the year.  Seems like after August we skip Halloween and Thanksgiving and go right into retail Christmas mode.  Do you have enough gifts for those you care about?  This is the question that many people are forced to answer when it comes time to shop for the holidays.  With the season of giving fast approaching, it's time to think about what you will get for others and how you will be able to afford the gifts.

Yes, budgeting throughout the year can help but what if you never got around to it?  It's all too easy to get caught up in everyday life and forget about the holiday season when spring and summer roll around.  Next thing you know September and October have passed, November is knocking at your door and you have not even started to think about what you will get everyone let alone where the money will come from. Don't fall into the trap of charge it today and you'll pay for it after the holidays.   See how even a little change can make a difference in your holiday spending.