1) make a list of everyday expenses, including the must-haves, such as the mortgage payment or rent; utility bills; average grocery bills; car expense, etc.
2) make a list of anticipated expenses such as the cost of food and beverages for holiday get-togethers; gift wrap, cards, mailing expenses, school and office gift exchanges, etc.
3) deduct the must-haves and anticipated extras from the funds available, be it the monthly take home pay, savings earmarked for the holidays or extra cash stashed in the sugar bowl to arrive at a probable gift budget.
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