Okay, so we’re in the middle of the holiday season and gift-giving is in full swing. So perhaps this isn’t the best time to talk about how to keep from overspending at Christmas in 2022. However, it isn’t too early to take the pain of seeing the January statements and apply this toward better stewardship in 2023. Here are a few ways to make 2023 holidays more joyful and less stressful when it comes to […]