How to save time and money this holiday season

(BPT) - In the rush of holiday shopping, it’s easy to lose focus and spend too much or to make decisions you later regret. Before you go shopping this year for gifts, decor and your entertaining needs, take the time to sit down and make a plan. 

With a plan, you’ll save time (and avoid panic attacks) because you’ll know exactly:

* What you are shopping for
* Where you are going to find it
* How much you are going to spend

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