Financial Library

The holiday season is here, and now is the perfect time to get started on your gift planning and shopping. But before you shop in-person or get online with your credit card in hand, it’s essential to set a plan and create a realistic budget. It’s easy to overspend with all of the excitement, but spending too much now could mean months of bills and high credit card charges in the new year.

Even with life’s joyous occasions, like a wedding or expecting a child, saving money will always be a common denominator. Although living on less to prepare for the future isn’t easy, planning and a positive attitude are key to your success.