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In the Operating Expense Budget Section otherwise called OPEX, the details you may include are the following: o Advertising Costs o Delivery Costs o Other Employee Benefits o Insurance o Interests o Office Supplies o Postage o Maintenance and repairs o Telephone and other utilities o Rent and mortgage o Taxes _ There are other operating expenses you encounter and you have to put all of them in the template. Budgeting on a per period basis is likewise necessary herewith. If you are already in operation for a while, you must review the average periodical expenses and budget for operating expenses accordingly. Based on your average monthly or quarterly operating expenses, budget two period when necessary. If this is not possible, use the average based on the past 3 months or three quarters. Ensure that you pickup the highest period cost to ensure that your budgeting is enough to cover any spike on your costs.

However, you can spare yourself this hassle if you consider the better and more impressive alternatives. Instead of going from store to store to select cards of your choice, you can sit comfortably on your computer and search for beautiful greeting cards templates, compose a generalized Christmas wish followed by your name and your company's name, find a reliable card printing company and get your customized Christmas greeting cards printed in any number. Once the stacks of your ordered cards are delivered at your door, all you need to do is write the name of the recipient and dispatch the card.

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