Each year at Christmas time, families all around the country become incredibly stressed. It’s supposed to be the happiest time of the year! The holidays can cause incredible financial stress for those who don’t have a Christmas savings plan. That’s why I want to introduce you to the half-payment method and how we break it down to help us have a stress-free Christmas. What is the half-payment method? The half payment method is a budgeting technique for those of us who are paid biweekly. Essentially, we develop our monthly budget and then divide each payment in half. Then, we set aside half of each payment out of each of our…