When you start a savings plan, you always hear “pay yourself first.”  But if you’re feeling a little tight for money after the holiday season, it may be a good idea to start another tradition.  Pay Santa first! Set up a holiday savings plan NOW. After paying off this year’s bills, put aside a specific amount of money per month a month for this year’s holiday presents. When the season rolls around, you’ll have money for gifts and you’ll emerge from next year’s holiday rush debt-free.