How to Not Go Broke Next Christmas (and Yes, You Need to Start Now)

I've definitely been here before: A new year, another January, wondering exactly how I managed to come out of the holidays with a painfully thin wallet and an overspent budget. It's like clockwork. Somewhere in between the end of November and the beginning of January I decide that gifts plus a month-long run of parties, hosting, food and decor are infinitely more important than being responsible with my funds and before you know it I'm looking askance at my budget and promising myself I'll do be...