One of the most important things I’ve ever done is to create a Christmas budget. Most of the time I’m able to stay within my means, but there are times I end up going over a bit. I understand, of course, that this is a very special and important time of the year. Because of that, I want to make it memorable but without breaking the piggy bank. I don’t usually go shopping in the months leading up to Christmas, but instead do my shopping all year round. I also make use of seasonal sales to buy those big ticket items and a reasonable price. I also can’t forget the savings that coupons bring me… and I’m not above a little re-gifting now and then….