Christmas is 37 Days away, and many people started Christmas shopping early. For some people how they spend on Christmas won't change due to the shift in economics this year, but for some people, it will. If you are one of those people where Christmas will look different this year, we challenge you to take a look at your spending and determine if you don't already have a financial plan how Christmas fits into your plan. If it doesn't and you don't have a financial plan, start one!! If you don't have a Christmas savings plan, start one!! 

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