Here is another way to cut down your Christmas expenses and save big this holiday season:
The closer the holidays loom, the less time harried families have to buy gifts, plan seasonal events and make travel arrangements. Unfortunately, when time is at a premium and you're forced to make last-minute decisions, it's usually your budget that suffers. As an occasional procrastinator myself, let me share a few tips I've picked up over the years that can help take the expense – and stress …