How to Get a Frugal Head Start on Holiday Shopping

Here is another way to cut down your Christmas expenses and save big this holiday season:
The beginning of the fall might feel a bit early to start planning your holiday shopping lists, but if you begin now, you'll be able to coast through the season with grace and ease. The first step is to start generating your master lists. Most of us cringe when we see an Excel spreadsheet at the office, but they really come in handy for planning your holiday gift list.