We are just 12 days away from Christmas and that means that it's time to write a list for my Christmas shopping to be done and over with.
Every year for the past four years, I have been waiting until the week before Christmas to get my shopping done and it becomes harder than hard to get it done.
It's annoying so soon I will be sharing a new Christmas saving plan and holding myself accountable but for now I need to get my shopping done.
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