After four years of coping with a stagnant economy, probably the last thing you want to hear is how important it is to sock away money for a rainy day -- you already know that. But hear me out, just in case.
If you sometimes fall prey to holiday overspending, you might want to look for ways to make small spending cuts in other areas of your life -- year round -- that, when added together, can result in big savings.
Between holiday shopping bills now due, increased winter heating bills and the upcoming income tax season, many people are feeling the pinch right now. Your best bet for getting back on track is to trim expenses.