Holiday Season Challenge - Figure Out Your Budget

I challenge you to survive the holiday season without using a single credit card. The best preparation to this challenge is to budget now. If you've been following this post, you have already written your list of people you need to buy for and you've checked the list and re-evaluated it to decide what is truly important vs. guilt purchases. Now is the time to figure out how much you can spend and allot a certain amount to each person. This will be a slightly flexible number depending on your sales opportunities and your shopping skills. Be realistic, but be frugal.