So you spent all your money on Christmas gifts this year you couldn’t afford. Great! Your credit card company must love you. So, how do you start saving for next year? Since I started my first job, I have always budgeted my money across the board. It’s probably one of the best things my parents have helped me with. Say you get paid 4500.00 a week from your job and you spend about $1,000 on gifts every Christmas. Here is an idea, take $20.00 of every paycheck and put it into safe keeping somewhere or go to your local bank and tell them to take $20.00 from your pay every week. Trust me, the bank loves when you do this. Before you know it, Christmas 2011 will be here and you will have money to spend and you wont have to take it directly out of your pay. Trust me, it works.
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