Geez, it’s first day of December. Just 31 days away from the New Year. And 30 days from my birthday, ahem! As early as now, I’m planning our budget for next year. We will have an out-of-town trip next March. We will renew our auto insurance next May. The same month that BG will enroll for nursery. So far, that’s the major expenses I could think of right now. I guess next year will be another “shop less, save more” year for us.