Some of us start saving for the holiday shopping season a full-year in advance. While others of us are looking at the calendar with utter astonishment wondering, “OMG, how many more paychecks will I get before the holidays arrive?” Ironically, both approaches require the same thing.

Whether the economy is doing well or in a slump, budgets tend to get a bad rap. But the holidays seem to bring about an even deeper visceral response to the word and practice of budgeting – as if having and following one either means you don’t have enough money and/or that you are being cheap and frugal.

Quite the contrary! (Continue Reading…)

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