Each and every year it gets to the end of November and money starts to look tighter than Santa’s belt. Chances are that you knew you should have saved up to buy Christmas presents, but you didn’t. You’re unfortunately just going to try to cut back and make it fit. While you may be able to save a few dollars using this strategy, you probably won’t be able meet your full Christmas budget. According to the American Research Group, survey of 1,100 adults nationwide, the average response was a planned spending amount of $854.   Bracing for an Emergency: One of the hardest things about … [Read more...]