Sarah’s making her list and checking it twice. Hello! It’s after Halloween and I’m meeting my brother for lunch to start planning the holidays, so it’s totally okay to start writing about Christmas, right? CHRISTMAS.

Actually, I do think it’s a good idea to start planning your Christmas, or Hanukkah, or Kwanzaa shopping early: it sucks to still be running around the week of, shouldering your way through crowded stores and then trying to get everything wrapped. Plus it’s a good way to run through your budget.

You want to enjoy the holidays with friends and family (and lots of Christmas movies and cookies and cocoa). So why not get your work done early?

This is what I do to save money:

  • Find all the gift cards in the house. Gift cards are a perennially popular gift, but if you’re like me, you’re lazy. I figure if I haven’t spent…

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