It's the Holidays...again.

Pitfall: Financial concerns often become more evident during this time of the year as you try to balance travel, gifts and entertaining on top of what may be an already stretched budget.

Stress-less solution: Make sure to set a budget for your holiday shopping and stay within it! It can be very inviting to buy that one extra present or take that holiday you've always wanted, but make sure that you can afford it both in the short- and long-term. Planning is key to making sure that your holiday dollars stretch far enough, without piling up big debts.