Holiday shopping is expected to be on the uptick this year. Just because you may have a little more cash in your pocket, you still need to shop smart by pre-planning. The AFSAEF offers a free online worksheet to help you create your holiday spending plan. In addition to planning your gift list, the tool helps you track what you spend on decorations, cards, travel and entertaining. The worksheet can be printed for an in-store reminder of your holiday budget and be updated when you get home. Read more...