Everyone sees holidays coming, but birthdays, anniversaries, and other personal events can put a serious ding in your budget if you're not careful. Those unexpected costs can sneak up on you if you've forgotten someone's birthday and wind up spending more than you should because you didn't think or didn't have time to make or do something personal instead. The solution is simple: start a gift calendar for the next year with those events already marked down, so you have plenty of warning. More »