10/10/2026
The holidays are still weeks away—and that is exactly why now is a good time to prepare.
List the expenses that usually show up: gifts, travel, gatherings, food, family commitments, and giving.
Then ask:
How much can I realistically cover without creating new debt?
Divide that amount by the paychecks or weeks you have left and begin setting it aside.
Planning cannot remove every surprise. But it can keep January from paying for December.