Andy Williams said it best “It’s the most wonderful time of the year”. Friends, family, parties and presents. And don’t forget the food. With all of these wonderful things it is easy to live in the now. You have an extra helping of cookies, you over indulge in beverages and you shop. And shop. Did I mention that you shop? Unfortunately all of these things have side effects. Your waist line expands, you have a headache the next day and your credit card bill arrives. And for some reason we are shocked.

I’m all for having a good time. In fact I recommend it. But you need to plan ahead. Go to the gym for an extra workout. Drink plenty of water. Make a budget. Christmas comes on the same day every year. I’m not saying be a Scrooge and don’t buy presents, but I recommend that you plan, make a budget. Start a “presents jar” fund and put a little bit of cash in each month. Open a separate savings account and automatically deposit a bit of money each payday.

Don’t go into debt over the holidays. When you make a purchase use your debit card or cash. Stop the credit card cycle. Remember it’s the holidays that are the “most wonderful time of the year” not the bills. Have a Great Holiday Season.

Need help with your holiday spending? Send me an email and set up a session and we can put your budget together.