’Tis not too early to plan your holiday shopping.
And that doesn’t just mean making a list and checking it twice. It means giving your budget the once-over, too, and figuring out how much you want to spend on gifts.
Depending on the answer, you may be considering whether it’s better to buy those special items for loved ones on credit cards or via a store’s layaway program. You may ask yourself: Which option is best for my budget?
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