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This is the eBook version of the printed book.

This Element is an excerpt from Living Rich by Spending Smart: How to Get More of What You Really Want (ISBN: 9780132350099) by Gregory Karp. Available in print and digital formats.


How just a little advance planning can help you avoid dangerous holiday overspending.


If you’ve bought Christmas gifts every year, did you think this year would be different? We often overspend for annual events because we don’t plan for them. First, we don’t save for them, so the purchase ends up on a credit card, racking up interest. Second, we run short on time and rush into bad buying decisions. Here are some ways to avoid holiday overspending….

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