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The Holidays Are Here!

Time is really moving at a fast pace and it’s time to get your holiday shopping done. The excitement of the season is in the air whether its music playing in the stores or strangers sharing a friendly smile.

To avoid anxiety and stretch your budget, take a moment and make a spending plan. Let this month be the beginning of staying within your budget and preparing your finances for the New Year.

Here are a few suggestions that may help you stay within your budget:

•Schedule a family meeting to discuss a plan
•Scale back on holiday purchases
•Limit the number of holiday events
•Search out inexpensive things to do
•Make cooking a family affair
•Create holiday greeting cards
•Volunteer to help others