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3 Ways to Avoid Overspending During the Holidays

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Sure, we already had a toaster, but now they make them with Wi-Fi.The enthusiasm we shared about our financial plan would get replaced with the thrill of lots of little life upgrades.

Every January, we would find ourselves with a large credit card balance and would have to adjust our goals to make up for it.

Finally we turned to our community of financially independent friends for advice, and they understood our dilemma. Most importantly, they assured us that it was in fact possible to have an incredible holiday while still sticking to a financial plan.They asked a question that changed the way we thought about our budget forever, even beyond the holidays: “What percent of your spending comes from upgrading a perfectly fine thing that you.

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