Tag: gift alternatives

To avoid post-holiday financial regret, creating a holiday budget is crucial. The article outlines a six-step process: analyze debt, project income, list expenses, assign spending categories, create a shopping list with budgeted amounts, and track prices. It emphasizes prioritizing debt repayment over excessive gift-giving, exploring alternatives like handmade gifts or service coupons, and sticking to the budget through methods like cash jars or tracking spending.