1. Great suggestions! One thing that has really helped my budget is that the adults in my family are moving away from gifts to experiences. Rather than stressing about gifts for everyone, we go see a show, go out to dinner, or do a cheap weekend away. It ends up being much cheaper, less stressful, and we have a lot more fun!

  2. Super helpful, Michael! I think I usually end up stressing because I do wait until Nov/Dec to shop, so making a point to start much earlier could definitely help. Many great tips, thanks!