It's that time of year when people make various lists — which is great. What isn't so great is all the additions we make to those lists over the few weeks leading up to the holidays.
Those exceptions can really take a toll on our holiday spending. We keep thinking that it is only once a year, right? Unfortunately, for most of us, the spending is really not just once a year, and that December spending binge really puts us over the top on our spending plan.