Suddenly it’s the Ber season. Yes, I’m writing this in September. A friend online is already sharing his Youtube playlist for Christmas. You think it’s too early for me to write about budgeting for the Christmas Season? Every time the holiday season rolls around, everyone seems buzzed with happiness. Megamall is already playing Joma songs. It is an amazing time of year where everything changes, new decorations are thrown up everywhere, sales in every store, even the attitudes of people seem brighter and happier. But all of these changes are not free and they actually come with a rather hefty price. The holiday season is