Glad you will be saving a little this year. Your 4-6% cut sounds familiar. This year the Christmas party at my job did not have last year’s luxurious luncheon, no instead we had some light refreshments and plenty of soda! But all jokes aside, employers have to cut out the fat! (and most employees understand). I do like your idea of giving to the the red kettle! That’s the spirit! (I too won’t spend as much as last year).
Thanks for sharing!
Happy Holidays and a very Happy New Year!