I'm a middle-class mother of 4. I start a holiday budget early and do a lot of research before buying presents.
Briefly

"Nineteen Christmases later, things look much different. The holiday I once loved has become an expensive endeavor. Gone are the days of shopping for others."
"Working as a special education teacher in Maine roots me firmly in a middle-class income bracket. After almost two decades of shopping for multiple kids, I have found several ways to make Christmas work for my family."
"Instead of saving, I start early. This means creating Christmas lists in late summer or very early fall. Once I have the lists, I can work on my budget."
"I do a lot of research before buying. Once I have my lists, I go online and search for the items, allowing me to find the best prices and options."
Read at Business Insider
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