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๐ŸŒฒThe holidays can be an expensive time of year.

๐ŸŒฒThere are always reasons to spend money, and we can feel like we want to show how much we care for our friends and family through purchasing gifts.

๐ŸŒฒIt's a good reminder to remember that quality time, a thoughtful card, or a homemade meal often means more to us than a physical gift.

๐ŸŒฒHere are some tips to save during these "spend-happy" times (the holidays, Black Friday, etc.):


๐Ÿ‘Sales always come and go. Don't get sucked into buying something only because of a sale.

๐Ÿ‘Write down who you would like to give gifts to and set a budget.

๐Ÿ‘Don't sacrifice your financial goals or go into debt over gifts. Your friends and family do not want this for you.

๐Ÿ‘Discuss ideas like a gift draw or exchange, making homemade gifts, re-gifting, having an experience together, or donating to a local charity instead.