Even though it seems like Christmas sneaks up on us every year, it doesn’t. Next Christmas will be 365 days from this Christmas.  Happens every year, like clock work.  It never fails.  So why is it that so many people don’t plan for this event?   Why don’t we all start squirreling away money starting January 1 to make sure we have the money needed for December 25th? I’m sure there are many reasons and excuses.  Lack of forethought?  Poor planning?  Don’t feel like there’s enough money to save throughout the year?  Temporary amnesia?  Perhaps you save money, but then … Keep on reading —->