Do you find that every January, you stare at your credit card bill and your bank balance in horror, shocked at how much money you spent in December on presents, holiday treats, decorations, special outings and more?

The holidays can be a very expensive time of year, and many people tend to get carried away and sentence themselves to a January of barely scraping by. However, if you plan ahead for next Christmas, you will be able to buy all of the presents you need without even batting an eye or seeing your bank balance dip even once. How can you do this?