The following is a guest post by my friend Toni Anderson who blogs at The Happy Housewife. She is a home schooling mom to six (almost seven) children, a military spouse, and a frugal fanatic. After her family became debt free last year she started her blog in hopes to help others reach the same goal. Make a List and Check it Twice Even Santa Claus knows the key to a frugal Christmas is making a list! Making a list is probably one of the most important tools in saving money this holiday season. The first step to a frugal Christmas is to figure out how much money you have…