Planning your spending is one of the best ways to keep yourself in check and prevent overspending. Create a master list of gifts you need to purchase and make a promise to yourself that you wonâ€™t deviate from it. Carry these lists with you so you know what you should and shouldnâ€™t be buying when you hit the store.
(Note: your list should bear some semblance to your actual budgetâ€”as in, how much you can afford to spend in cash; not how much is available on your credit cards). Stick to this list as closely as possible, particularly when youâ€™re tempted to splurge on impulse items or buy unplanned â€œgiftsâ€ for yourself.