Is it too early to be thinking about Christmas already? Not if you're on a budget! Maybe you're thinking it's way too early to be thinking about the holidays. Remember, if you don't prepare yourself you wind up spending more money than you should. Summer is almost over and there are plenty of sale and clearance items that will make great gifts. First do your homework and prepare a list of people that you plan on purchasing gifts for. Small baskets with toiletries are always great! You can buy these in bulk and break up the sets which is cheaper on the wallet. There are many online sales that are having clearance sales and possibly free shipping. Some stores offer free shipping to the store, which also allows for easy returns. Try to avoid going into debt for the holidays--Debt is not a gift so don't get wrapped up in it.
Answer Book 2018
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