Christmas is coming!

If you haven't begun to set aside money for Christmas gift buying and giving, you must do so now.  You only have the remaining months to "get it together".  Compute what you will be spending and divide it with the number of months you have left to have it ready for Christmas.  The longer you wait, the fewer months you have to spread the expenses over IF YOU HAVE DETERMINED THAT CHRISTMAS ISN'T GOING TO FOLLOW YOU INTO NEXT YEAR!  Everyone wants to be generous at the wonderful time of year that God showed us His Ultimate Gift of JESUS.  Begin to concentrate on what people are saying as to their desires - often just a passing comment.  Then look for sales and ideas to accomplish their wish for as little cost as possible.  In everything, plan ahead.  As Dave Ramsey says, "Christmas comes in December every year."     It's a big step to a Merry Christmas.