Five smart money tips for the holiday season

Q: I know I should be looking forward to Christmas and the holidays, but I’m starting to dread it. This past year has been tough on my family with a long-term relationship coming to an end and the death of a special aunt. It’s hard to feel the joy of the season as I rush around from one obligation to the next, buying gifts I can’t always afford, splurging on myself when I shouldn’t and having to make expensive last-minute changes to travel plans. Have you got any tips to