As an early Christmas present, I am sharing with you some practical finance tips for the coming holiday season:Start early. If you have been celebrating Christmas every year, then why wait for Christmas season to buy gifts? The trick is to spread your budget over months early and avail of promos and discounts over the period. A Christmas gift list helps you budget money and identify people you will buy gifts for. At the end of the day, making a gift list gives you control over your spending and sets the pace for your budgeting.

Source: Manila Times September 28, 2018 16:17 UTC