This is the time of year when folks show their love and appreciation for friends and family by buying them gifts! Ah, the spirit of the holidays! If you are like me, I tend to get carried away this time of year and spend way too much money.  This is the best time to learn some  new budgeting skills or refresh the skills you already know about but ignore. Plus, you'll be in good shape to start the new year fresh and not in debt.  Also, check out this really cool free online budget tool, Mint.com