The holiday season is here again! Time for festive music, decorations, and celebrations.   Although gift-giving is common during the holidays, it shouldn’t be the main focus. The following holiday spending and saving tips can help you reevaluate how you spend your time and money to maximize the wonder of the season.   Determine Your Philosophy on Gift-Giving Consider what gift-giving means to you: Do you enjoy finding the perfect gifts for the people on your list? Do you want

The holiday season is known as the most wonderful time of the year. The music, gift-giving, and celebrations are designed to create merriment and cheer for the end of one year and the beginning of the next.   However, purchasing gifts, hosting celebrations, and traveling to visit loved ones can create significant financial stress. Rather than experiencing joy, connection, and gratitude, you might feel overwhelmed by economic demands.   If your financial situation is keeping y