Have you prepared your Christmas Budget? September is the perfect time to decide how much you want to spend on gifts and festivities this year.

How to setup a Christmas Budget in September

“Christmas is coming, the geese are getting fat. Please put a penny in the old man’s hat. If you haven’t got a penny, a ha’penny will do. If you haven’t got a ha’penny, then God bless you!” As the nursery rhyme suggests, Christmas is indeed…