Do you have a budget in place for this month? If so, why? If not, why? Are you easily swayed by sales? How much of your holiday spending is budgeted and how much is impulse buying?
How do you feel about your answers to those questions? Would you like that to change? Observing ourselves is very powerful. Awareness is the first step.
Make mindful spending a goal. Be honest about what you can afford so that you don’t overextend your family and carry debt into the New Year.
*Bonus: Pear down your gift list to accommodate your budget.