Whatever causes you stress this holiday season -- whether it is juggling family and social obligations, finding the right gift for everyone or planning travel -- a sure way to enjoy the holidays more next year is to establish a savings plan for managing spending in 2014, which will be here before you know it.
I know what it takes to pay my rent, keep my phone on, and get to and from work. I know enough not to live beyond my means. I am not in debt. But even armed with this knowledge, I don't really make an effort to save and inevitably when my rent is due, I have enough to write the check and buy a pack of gum.