Do you ever feel totally on track with holiday spending until that one (or a few...) unexpected gift pops up and suddenly you’re side-eyeing your investment account? Every year I swear I’ll stay within budget, and every year something surprises me. How do you avoid dipping into long-term savings when December throws curveballs?

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Set a budget and stick to it. No gift should seriously crimp your finances. There's no sense going overboard on something expensive if you end up feeling more anxiety about the purchase than happiness.

That’s a really good point. No gift is worth the stress that comes with overspending. I’m trying to get better about setting a number and actually sticking to it too.

I too, stay that I am going to stay in budget every year. And year after year it doesn't happen. You think by now we would learn haha.

I feel that! I go in with the best intentions and then December just steamrolls my budget.

Oof. That’s tough

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