With the holidays just around the corner, plans are underway for getting together with friends and family for parties, dinners, and gift giving. With lists being compiled for groceries, gifts, libations and maybe household items needed for anticipated overnight guests. In 2015, the average adult planned to spend $766 on holiday gifts. About 27 percent spent over $800, while 23 percent spent $200 or less. Which category did you fall in last year? And what about this year? If you have not been in the habit of using lists for shopping, they can be a help in staying within your spending limits. Having a set limit is a great way not to overspend. As well, using cash is a great way to have Christmas paid for before the event. The holidays are for memory making with family and friends or just plain rest and relaxation, and that is more easily accomplished without any financial stress.

dminervini@abakhan.com, www.abakhan.com