January is the best time to plan next year's holidays: the costs are fresh in your mind, and after-season sales are on.
The steps
- Add up what you actually spent, by category
- Note what was worth it and what wasn't
- If anything went on a card, make a plan to pay it off quickly
- Set next year's budget and monthly amount
- Start the automatic transfer
General educational information. Store policies and terms vary; check with the store. Dime Wise Club isn't paid by any store, bank or payment company.