Some Years it is Tough to Be Santa!
This will be a tough year for many families. As I am writing this, I am thinking about the stack of property tax bills on 
my counter, and also the holiday gifts that my kids want. This may seem like a bad time to think about being frugal, but it is probably one of the best times. So how can I cut some expenses, like holiday gift giving, while sticking to a budget.
A Holday Gift Budget is Important!
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