Holidays are exciting and help us connect with our values and things that are important to us. 

There is also a lot of pressure to spend money, often more money than we have available. 

Before going into the last few days before Christmas (by far the most high-pressure gift-giving, money-spending holiday), take some time to speak with your family and friends about what is important to you. 

The budget document attached to this post can help you remember the usual expenses of your life while also looking at the additional costs that come with holidays. Although we are focusing on this prior to Christmas, this document can be used as a guide for other holidays, including birthdays. 

Give it a try before battling the crowds or pressing the “Purchase” button online.