Most people know to set a budget and make a gift-giving list. That’s basic holiday spending 101. But saving money goes beyond this. Of course, you want the season to be wonderful, and part of that is buying the perfect gifts for your loved ones. But when the bills hit in January, the wonder quickly turns to disbelief at how much you spent.
There are some techniques, however, that you can use to soften the holiday-spending hangover. Here are 10 smart holiday-spending hacks.
