It is that time of year where people begin to plan for their holiday budget or if they have been planning all year, they are doing any final touches to their budget that are needed.
Tom and I aren't extravagant in our holiday spending, but there are a few non-negotiables...our parents ALWAYS get gifts and the kids in the family always get something. Everyone and everything else can be somewhat negotible. We aren't beyond making gifts or being creative if the budget calls for it.
Do you have a holiday budget? If so, how do you determine how much you will spend?

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