It’s time to start planning for Christmas 2009

I know what you’re thinking. Kristin, we just celebrated Christmas. It’s not even 2009 yet. Can we get through New Year’s please?
Okay, okay. Enjoy New Year’s, but then you need to start planning for next year. How did you pay for the holidays? Did you charge everything to pay it back over the next 12 months? Did you scrape money together and maybe let other obligations go unpaid? Or did you have a smaller holiday than you wanted because you didn’t save? Well, Christmas 2009 will be different, but in order to do that, we need to start today.