Stick to it.

The easiest way to overspend during the holidays is when impulse buying takes over. Plan the list, plan your budget, then stick to it. Make a deal with yourself that after you have bought a gift for everyone on the list, you can to go back and buy yourself something for sticking to the list. Buying only what you planned will keep your mind aware of your money and save yourself the shock of a devastating January bill.

Authored by: Ron Villano

Ron Villano, M.S., LMHC, ASAC is the leading expert in working through change. As a father who lost his 17-year old son in an auto accident, he always speaks from the heart. As a licensed psychotherapist and life coach, he counsels others on how to work through difficult times.

As a national speaker and author of The Zing, Ron has appeared before sold-out audiences across the country and is currently featured on the new Verizon FiOS1 network. His funny, captivating and approachable style creates the powerful, life-changing moments you have been looking for.

Ron's Podcast Link: Get through the holidays after the loss of a loved one.

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