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How to Plan Christmas so you can Actually Enjoy it!

If you're anything like me, you look forward to Christmas and your kids love it, and at the beginning of November you start to get excited, buy a few Christmas Presents and maybe a decoration or two ... then you think you're well ahead of the game. The next thing you know, it's December 20th - you've got no money, no plans, no decorations and a house full of bored, over excited kids!Over the past ...

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