It’s that time of year! It’s a time for reflection, connection, and—if you ask me—giving with your whole heart. There’s something uniquely special about year-end giving. Embracing your generous spirit before the clock strikes midnight on December 31st is beautiful (and practical, too).

We all look forward to the holidays, but it's easy to underestimate how much gift-giving can strain our finances. The last thing you want is to start the new year with a pile of credit card debt. So, saving for holiday gifts isn't just practical; it's the secret sauce for enjoying the festivities without a financial hangover.