Christmas is over. Did you go overboard again this year, or did you devise a budget and put a plan in place to stick to it?
Keep in mind that you only have12 months to save for next Christmas. If you intend to spend $1,000 next year on presents, you must set aside $83.33 per month from now until then.
Doesn't that seem much easier to do than to come up with the entire $1,000 in December? It sure beats putting it on a credit card and making payments on it for years to come.