Some of you have already begun humming the tunes while others are avoiding any sight of snow or holiday cheer for another month or more.

I’m typically a December 1st Christmas enthusiast, whereas my husband Michael has already been implanting the famous carols in my mind. I find myself singing them only to realize he was humming the song a few minutes earlier.

Either way, the Christmas train is fast upon us.

Though you certainly don’t need to rush this beautiful fall away, our guest writer, Jennifer Hare, shares a few excellent tips to get you prepared so you can enjoy this Christmas without emptying your wallet to do so.