Here is another way to cut down your Christmas expenses and save big this holiday season:
Even if you think it's too soon to start holiday shopping, you might consider sitting down to plan your budget and spending. Now that the calendar has flipped to November, holiday expenses like shopping and travel are on the minds of many consumers. You may not be ready to get out and shop yet, but it is a good time to plan for end-of-year expenses, starting with a realistic idea of what you'll …