This time of year we are often pulled by our emotions and veer off our intended course. Having a solid spending plan makes all the difference - and prevents a spending hang-over, or a credit card bill from surprising you in January.  

What is a spending plan?  Well - it is a map and a guide.  You make one before you set out so you don't get lost.

Your PLAN could have the following categories:

Decorations - Tree, Candles, Wreaths, Lights, etc.
Holiday Meals & Entertainment - Pay particular attention if you are hosting, or attending lots of parties where you will bring wine or gifts for the host
Gifts - Write down the names of the people you give gifts to
Wrapping Supplies
Santa (if it applies)
Pet Gifts (I know... but for some people this adds up :-)
Charitable Giving
End of Year Tips (housecleaner, hairdresser, doorman, etc.)

Next to these categories you will put an amount you plan to spend.  The hardest part, and the part we often resist,...