Here are five tips to help you sleep better and avoid the post-holiday hangover:

1. Don’t deck the halls with debt

Set a realistic spending goal and stick with it. If you’ve spent time with one of our money coaches, you’ve likely been putting away a little money each payday throughout the year for this high-spending season. If you’re starting from scratch, don’t just throw everything on a credit card and hope you’ll win a lottery before the bills arrive in January. Spend according to what you can actually afford, not what you think will impress your kids, or others on your holiday gift list. Continue reading →