How to Spend During the Holidays Without Using Your Credit Card

It’s gonna take some planning

Photo by Jacek Dylag on Unsplash

I love the holidays. I love the look of the bright lights, beautifully wrapped packages, and holiday decorations. I even love the music in small doses.

More than that, I enjoy sharing this time of year with loved ones — for me it’s my kids, my husband, and my best friends.