Funding The Holidays: Twelve Funds of Christmas

Christmas cheer kicked in when I returned from my vacation and decorated my house. I emptied my Post Office box into a bag, then onto my table. Christmas cards (I scribble on a notebook some addresses before the envelopes disappear), bills (none unexpected), a couple of coupons, and junk mail galore. While booting my budget machine I re-muttered my mission to save forest upon forest by outlawing junk mail. My budget for December, as I read through, included Christmas Expenses. Really? Every month there is a birthday or another gift-giving party-throwing holiday, yet I still include extra cash for the end of the year. I challenge myself to a 12-step reduction program, or as I so dorkily dubbe

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