Holidays can be hard on your good spending habits.   Generally, you do not want to max out your credit cards or open new lines of credit when you are trying to build credit (as for a home, auto, or student loan in the near future).  Minimize the holiday hangover on your credit card bills by building a budget.

A budget can help you stay on track for your spending and saving goals. 

If you can talk, text, and wrap presents, you can make a budget.  The Florida’s Chief Financial Officer Jeff Atwater has a free online holiday budget calculator at http://www.myfloridacfo.com/YMM/Calculators/Holiday.aspx.

…And remember to pay your bills on time every time.