As it gets closer and closer to the end of the year, your bank is slowly going to hit 0 or those negative numbers. Many of you are probably getting overwhelmed and anxious during this time of year because there are way too many things to do.
I'm pretty sure everyone has at least 10 gifts to get every year. Why not write down a list to make our lives easier? There are so many people that we need to get gifts for, and it's difficult to have everything and everyone memorize in our little heads right?
This is why a budget is important. If you do not have a budget, you are most likely going to overspend down the road. you should have one because not many people have one which is why they always overspend and end up being broke.
I don't know about you but I LOVE handmade gifts, and I would say I'm pretty good at making them as well. Why Christmas shop when you can make them yourself? If you don't have enough money, you can always make gifts for people.
It's NEVER TOO EARLY to start shopping for Christmas. When you shop early, you don't need to waste a lot of time towards the end of the year. If you take the time to Christmas shop early, you'll be stress-free when it comes to December.