Want to Avoid the New Year Financial Bill Hangover?

A few years ago, I learned to cut out not only my holiday bill stress, but my year-round holiday and gift buying stress… Completely!

The challenge is, many folks spend during the holiday first, then tally up the total later.

This often means overspending. I figured out that a little simple planning goes a long way.

I have been following a simple plan for several years and have not had to suffer the Holiday bill hangover, because I pay for all of my holiday spending with cash from my special savings account.

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