If you’re anything like me, you have a habit of overspending on holiday gifts. It’s both a terrible habit and wonderful habit. No matter which holiday you celebrate this coming season, you will be giving gifts. To want to give more and more is a marvelous thing, but it can be a curse when it eats its way into the rest of your finances. You may overspend on credit cards or eat into other categories. This causes you to have to rework your budget after all of the gifts have been purchased or worse, continue paying for those gifts well into the new year. No one wants to start the new year in debt because they over-gifted. That’s why … More…