Christmas and the days around it are merry-but-costly days which can potentially bring harm to your financial well-being, even if there is additional income. Truth be told, it does not have to be that way if there is proper planning and discipline. Year-end is the time to take stock. It is the time to take stock of your true financial situation by evaluating the strength of your income and the level of your spending against what you projected. It is the time to see what went right and what went wrong, and to take corrective action.
