Remember to save your receipts

Keep your sales slips for your Christmas shopping and add together to see what you need to save for next year.  Divide the total by 12 and save that much each month.  A payroll deduction that goes to a savings account is best (or easist).  Also, if you pay property taxes in December, add that amount in also.  Life is so much easier if you don't have to try to figure out where the money will come from. You'll breathe a lot easier next December.