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No time like the present!! 
I will admit that Christmas is the one time of the year that I like to be a little extravagant. But I am bad about not saving up for it (or buying presents early when they are on sale).
So this challenge is for all of us procrastinators. Specifically, my personal challenge is to have $500 saved by next Christmas AND to have all my presents bought and ready to wrap by the end of November. I'd like to be better about getting gifts ahead of time, when they are on sale; looking for good bargains; generally, being more ready, so I don't drive out in a panic on December 23rd, looking for gifts.
I'm going to start by counting the money in my change jar. That will be my first deposit into the Christmas 2010 fund!
I will admit that Christmas is the one time of the year that I like to be a little extravagant. But I am bad about not saving up for it (or buying presents early when they are on sale).
So this challenge is for all of us procrastinators. Specifically, my personal challenge is to have $500 saved by next Christmas AND to have all my presents bought and ready to wrap by the end of November. I'd like to be better about getting gifts ahead of time, when they are on sale; looking for good bargains; generally, being more ready, so I don't drive out in a panic on December 23rd, looking for gifts.
I'm going to start by counting the money in my change jar. That will be my first deposit into the Christmas 2010 fund!