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At the end of each year, Hubby and I make a list of who we will buy for regarding birthdays, Christmas, anniversaries, Mother's Day, Father's Day, weddings, showers etc and allot a certain amount that we want to spend. We total that up and then divide it by 23 payments (to coincide with our paydays) Then each pay we put away the amount and when it comes time to buy presents we already have the money set aside. It makes shopping at Christmas so much more manageable!
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