As the weather gets progressively cooler there’s a bit of a bite in the air, and Fall truly begins to settle in. For many of us, this means it’s time to start hauling out our cold weather gear, deciding what we’ll use and slowly layering it into our daily choices of clothes. This also means of course, that the holiday shopping season is beginning. The one rule prevailing over all is managing to keep your head above water and getting the best presents possible while doing so. Here are a few rules for treating your holiday budget like your retirement, and for making sure that you’re addressing both appropriately.