Planning ahead to get ahead!

The 52 week savings plan

If January’s credit card bills or other holiday-related debt have you down, it’s a perfect time to put together a holiday spending plan.  Decide how much you can comfortably spend on gifts this year.  First, put together a list of all the people to whom you would like to give gifts.  Then decide how much you would like to spend on each person.  Don’t forget to include the costs of decorations, wrapping, and cards in your spending plan.   Parts excerpted from
Then use the 52 week savings plan below to get you there!