Christmas lights on Aleksanterinkatu.

We are getting to that time of the year where we all have to start thinking about getting holiday gifts for friends and family members. While there is nothing quite like the holidays, there is also nothing quite like the feeling of knowing that you have gone over budget after only getting half of the gifts that were on your list. Frankly, having a budget during the holiday season is kind of like having a schedule planned out for your toddler: as much as you might try to follow it, it is not going to last long. With that in mind, the months that come after the holidays are going to feature some tight economic circumstances for you. The financial Holiday woe’s, as many people like to call them, have a tendency to affect you in January and February, i.e. the months after the joy of the holidays have worn off.

This is not to say that you should be hopeless when the Holiday woe’s come your way. In fact, you should simply find ways to work within your income and move on with your life. If you need to take out a payday loan to pay bills on time for a month, you should do it. Just because you have a little less money left after the holidays does not mean that you aren’t going to get back on the right financial track in a couple of months, it just means that you have to be able to deal with a rough patch for a little bit

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