Can you believe it is already December? ‘Tis the season to spread love and joy…without overspending! So often I see families doing great throughout the year with their budget and then the holiday gifts, celebrations and travel take a toll on the finances. Ideally, you would have a savings goal throughout the year to fund holiday expenses, but if not, here are a few tips to keep you on track.
As a Behavioral Financial Advisor, I spend a lot of time coaching clients on healthy spending habits throughout the year. While we can do our best to choose appropriate investments in our portfolio, successful retirement is most often achieved by having a great financial plan that incorporates controlled saving and spending.