Budgeting for gifts

Gifts and celebrations can catch your budget by surprise. When you plan your gift spending in advance, celebrations don't cause stress.

You will need

• A list of gift recipients
• Calendar

Steps

1. List the year's celebrations

   Write down the birthdays, Christmas, graduations and weddings you'll be going to.

2. Set an overall budget

3. Divide the amount between people

4. Save every month

5. Agree on gifts

6. Favour experiences

7. Buy in good time

8. Track your spending

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