1) Start saving and setting aside money now (yes, even in these last few weeks of November. You can’t start months ago but you can start now. 2) Set a spending plan (aka a budget) for holiday gifts. Make a detailed list by person and include the planned per person spending amount and total the list. (Make sure you know how you will pay this total amount.) 3) Once you make your list, review it and likely cut it down. Carry this list everywhere you go. Start early and look f