Hello, Lovely Readers!

I know it’s only about to be Halloween, but there is just no reason not to nip some of your holiday shopping in the bud now.  

I don’t mean going on long, involved shopping endeavors, instead adopt the by the little by little mentality.  

If you already know that you will give your mailman a $5 gift card from Starbucks, why not pick it up the next time you’re ordering a latte?  Those goofy salt and pepper shakers are perfect for you sister-in-law, she would love them…so, go ahead and buy them!  

We say to ourselves over and over, I’ll come back for this or that…but why make more work, errands and trouble for youself?  

See it now, buy it now.  

This will make budgeting easier because it’s over a longer span of time and it’ll be like Christmas morning for you when you go to see all the finds that you already have when the hustle and bustle is in full swing.  

Peace,
Cheri