485You know how the song goes: “It’s the most wonderful time of the year.” True, but it’s also the most expensive. I understand; this time of year is sentimental (and prices on everything from holiday decorations to food to gifts reflect that). But it’s just not worth it to derail your budget in the very last month of the year when you’ve been so good leading up to it.

So this year, we’re going to plan ahead for holiday shopping, tipping, and entertainment so we can enjoy the best parts of this season without the financial stress that often follows in the new year.

Not sure who to tip, or how much? Right this way for our handy guide to holiday tipping (remember, it’s all in the delivery!). Don’t be tempted to go overboard with the gifts; a thoughtful token or handwritten card goes a long way to show your gratitude without breaking the bank.

Made your list and checked it twice? Good — now it’s time to go shopping with this handing list of savings tips. From apps that help you navigate a crowded mall to a barcode scanner that gets you major points for saving, I’ll help you gear up for the most efficient and frugal holidays yet!

This season, give yourself the gift of financial responsibility. It truly is the gift that keeps on giving!

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By | 2017-01-23T08:54:53+00:00 November 9th, 2015|Nicole's Note|0 Comments