Christmas is right around the corner and holiday sales have already arrived. Many are irresistible, not just for gift-buying, but also for stocking up for personal products. Advertisers can make it feel like you are saving money by spending money. Now according to my basic math skills, spending money regardless of the sale, means a negative expenditure in your budget.
So what’s your biggest defense against over spending during the holidays? Budgeting, like the answer to most spending dilemmas. A budget is a tool to make you behave with your own money. If you were the CEO of your own finances, would you be proud of the management of your budget?
Mel the Money Coach $$$
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