22. Twelve Months of Christmas Gifts
Managing finances during the holiday season can be challenging, especially with a small child. To alleviate stress and ensure a magical Christmas, there is a simple strategy to adopt: buying a present every month and stockpiling them away.
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This proactive approach will not only spread out the financial burden but also save time and minimize last-minute shopping frenzies. Gradually accumulating gifts throughout the year is a good way to budget more effectively and avoid the strain of overspending during the holiday rush.