Lots of money gets spent this time of year.  Have you budgeted for it?  It’s not too late to start.  Seriously.

Just because you’ve spent up big till now doesn’t mean you can’t take control of the finances from this point forward.  Start with a snapshot of where you are now.  How much have you already spent on presents, food, travel plans, decorations, drinks?

Know thine enemy.  In other words, get realistic about the budget.  Stare it in the face.  Then at least you’ll know what you’re dealing and will be able to make informed choices.

Closing your eyes till January is no financial strategy.

Get real and good luck!

or not 😉

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