The holidays are a time of joy and festivity. Making memories with family and friends is what truly matters.   If decorating, gift-giving, hosting or attending parties, and traveling are among your holiday traditions, you can engage in these activities without financial stress. Careful planning can help you enjoy the holiday season without additional debt.   Start Saving Early Begin saving for holiday spending as early as possible. Regularly setting aside a small amount of mo

The holiday season is a time for joy and gratitude. With careful preparation, you can enjoy the festivities while keeping your finances secure and working toward your goals.   Proactively creating a spending plan can help you manage holiday costs and maximize savings. Smart planning and mindful spending enable you to enjoy the holidays.   Consider implementing the following tips to prep for holiday spending guilt-free.   1.  Set a Realistic Holiday Spending Plan Evaluate your