Saving in the new year

At the beginning of each year, I plan my budget for the year. I probably should wait until my annual review and raise comes along, but since that’s not guaranteed, now is as good a time as any I guess. One of my budget categories is gifts. In order not to break the bank for gift giving, I take a set amount of of the bank from each pay check. I have a “gift” budget envelope. I buy almost all of our gifts (except Christmas presents) from this envelope – birthday presents, weddings presents, … [Read more...]