This episode is brought to you by Delive a Rule, because anything goes this Christmas.

Yes, even sprouts on a pizza or gravy on sushi.

The rules are, there are no rules. Have a Cantonese on Christmas Eve or a

Balty on Boxing Day and when you're so over the leftovers bring on the ramen

From big brands to local favorites this Christmas it's all on your doorstep with

deliver room geographical restrictions, Ties and C, service and delivery fees apply.

This is optimal finance daily episode 988 how to budget for Christmas gifts by

kimiko of the budget mom.com and I'm Dan I'm your host and here each and every day

reading to you from some of the best personal finance

blogs on the planet and today I've got a new author and website for you the site is

the Budget Mom.com and Kumiko has a bunch of helpful articles on her site.

She is an accredited financial counselor as well as being a mom to a

rambunctious boy. So come by her site for a bunch of free resources.

And with that, let's hear our first post from her as we start

optimizing your life.

How to Budget for Christmas Gifts by comico of the Budget Mom.com

Christmas is supposed to be a joyful time of year spent with the ones you love

but for a lot of people Christmas is filled with pressure, debt, and questionable financial decisions.

I know what it's like to fall into that second category.

Before I started budgeting, I tried to wing it when it came to Christmas presents and extra holiday spending.

I had no plan, didn't save money in advance, and I ended every year deeper in debt with a sick

feeling in my stomach. But that's not the end of my story and it doesn't have to be yours.

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