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No one wants to be a Scrooge around the holidays, but you also don’t want to go into debt. Budgeting, like dieting, is difficult for many people — and for the same reasons. Most people know they should have a holiday budget, but find that’s it’s hard to make a good plan and stick to it. As a result, most of us have tried and failed several times, in large part because of the overly complex approach recommended by most personal finance books out there. In fact, there are a few simple steps people can easily do that will make a big impact and keep you on track for the New Year.

Duration : 0:3:2

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