Making a list, checking it twice. Oh wait, it’s not the holiday season quite yet? You may still be enjoying time at the pool, but if you haven’t started yet, now is the best time to start budgeting for Christmas. When you make a Christmas budget ahead of time, you can stop the holiday stress before it even begins. Why Do a Christmas Budget (and Why Now)? All the holiday magic you want to create needs to start with having a Christmas budget. Yes, it’s even more important than presents and trees with all the trimmings. The hustle and bustle of the holidays will be stressful enough already. We tend to feel we have to keep up with the Joneses, and it may feel like we need to go over and above this Christmas to make up for last year. But caving to that pressure, and spending without a plan, can ruin …