As Christmas rapidly nears, I hear people continuing to talk about last minute shopping. Maybe they just hate shopping, maybe they’re terrible at coming up with gift ideas, or maybe they’re worried about how much it’s going to cost. I wonder how many people actually sat down and thought about how much they would (or could afford to) spend before the holiday season was upon us. It’s probably a little too late to setup a budget for 2018 holiday gifts, but it’s definitely not too late to make sure that you’ll be in a position to give all of the gifts that you’d like to in 2019.
