Avoid big bills in January with simple budgeting and organizational tricks.―By Michael Kaminer
Nov. 30―Dec. 6: Do a reality check.
How much have you spent? What's left? Add up the numbers. If it looks like you might exceed your limit, you still have time to adjust. Trim your gift list, shrink your holiday menu, or scratch that party dress.
TIP: A good budget is flexible. Changing it doesn't mean you've made a mistake. It means you're on top of your finances.