Savvy Holiday Spending Tips!

Christmas is the same day every year so there is no reason to be caught off guard. Stop winging it and start planning for it today. Remember life still goes on after the holidays so no need to feeling guilty for having overspent in this area. There’s one way to guarantee this – create a budget. Yes, you need a budget even for the holidays. This is not to make you feel restricted; it’s to help you have a spending plan for your money. Your holiday budget should cover these area