It is important to keep a budget and to make a list of the family, freinds or co-workers that we want to give gifts to so we know where the money is going.

I would like to suggest that you get a free Personal Shopping mall from MPM.  The only requirement is that you buy one thing per month.  You get to save 2-55% on everything you buy from electronics, to toilet paper, to clothes.  You also help poor children all over this world one child at a time because MPM donates 6% of its profits.

Watch the movie and click I want a personal shopping mall.  145,000 members strong in 220 countries.

http://www.mypowermall.com/Biz/Home/142960