With the downturn in the economy and folks losing jobs, the last thing you want to think about is how you're going to afford everything for the holidays this year. But it's not too late to start planning and saving now. The holidays are typically a time when friends and families gather together for traditional family activities, giving and receiving presents and usually eating way too much food. But the holidays don't have to be a time of excess. Many times when we think of budgeting for the holidays, we only think about the financial connection. Better yet, consider budgeting …
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