Today is Day 12 of my 12 Days of Savings, and my final money-saving tip for you is to start saving for next year now! The holidays can really throw your budget out of whack if you aren’t prepared. Much like you put money away in an emergency fund for unexpected expenses, you can put money aside for next Christmas. Not only will you be in a better financial position come next year, but you’ll also reduce the amount of stress that stems from having to squeeze all of those gifts into your budget at the last minute. Instead – you can relax and truly enjoy the holidays. So on that note, I wish you all a Merry Christmas! Stay safe out there on the roads.