We’ve been putting aside $25 a month for Christmas. I know that this doesn’t sound like a lot, but keep the following things in mind: 1. My husband and I don’t buy each other gifts for Christmas. Seriously. If one of us wants or needs something, we discuss it and then plan appropriately. Besides, with the birth of our son, we both get more joy watching him open presents. 2. We don’t spend a lot on family. In the past few years, we have sent framed pictures or photo books as gifts using gift certificates and other discounts. I...
