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Tis the season of giving, spending, and yes, budgeting!

Before we know it the holidays will be here!

And if you always delay your gift shopping for those special people in your life (or just yourself, no judgment here) until the last moment, why not make it a point to prepare early this year?

Holiday budgeting may not seem like a priority in November, but seriously, creating a financial plan now will prevent financial woes in January (speaking from experience).

Smart holiday shopping and budgeting begins with...

*Making a gift list

*Setting a spending limit

*Shopping early for deals

*Wait until Cyber Monday

*Gift collaborations

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