With many people already having a full schedule and upcoming holiday activities and expenses can add to the usual stress. Crystal from Money Saving Mom has started a series on steps to take for a More Organized Christmas.

The first step is to create a budget, have a plan, use cash and keep it simple.

Even if you do not have time to implement some of these ideas this year, it may be helpful to keep them on hand and implement them in the upcoming years.

One of the ideas I have used for several years is to save money throughout the year for holiday expenses and look for gift ideas throughout the year when you find them on sale.

This is part of a 90 day Holiday Countdown, previous posts can be found here

Nancy Kvamme