Plan ahead for next year

If Valentines Day is a holiday that matters to you and your significant other, make a mental note of how quickly it can sneak up on you after the big winter holidays in December. Think about realistic ways you can cut back on your spending so you will be able to use cash to cover all of the holidays without relying on credit cards and going into debt. Can you cut back on costly coffee drinks, snacks and sodas during your work day? Or maybe put off some discretionary purchases you have been thinking about making?