Again, I find it difficult to believe Christmas is already here!
Every year we open up a Christmas Club and we use that to fund our Christmas shopping. I saw on the news last night someone said spending was up because people want to make this a special Christmas and give a little more. I thought, I bet inflation plays a part in that as well. I wonder how many people will be owing big time once the holidays are over. I noticed on many of the blogs many of you made your own gifts, or shopped throughout the year so you won't owe after the season is over.
We already started our Christmas Club for 2022. Just hope 2022 is less Covid and more joy!