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Beautiful passionate african american couple having a romantic candlelight dinner at home and celebrating their love together. Concept of love and relationship. Kissing and bonding. Copy space.

Hmph. Maybe it’s just me, but it seems like there is something really weird happening in the fall season air (because winter doesn’t officially begin until December 21) that cuddle season is in full swing while break-up season is as well. In fact, did you know that break-ups are so popular during the holiday season that December 11 is deemed Break-Up Day?

The reasons why relationships shift around this time vary; however, I did both roll my eyes and chuckle when I read that a very popular one is because it’s an easy way to get out of getting one’s significant other a Christmas present. SMDH.

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Happy black lady in Santa hat using laptop, ordering Xmas gifts on web, shopping for Christmas presents online from home. African American woman sitting on couch with computer on winter holidays

Geeze. Can you believe that we are just a few days out from another Christmas? Yeah, me neither. In fact, because I’m not a holidays person myself (check out “So, What If You Don't Observe Holidays?”), it wasn’t until one of my clients was venting about how stressed out she was due to all of the holiday season procrastinating that she had been doing that I realized just how fast December is actually flying by.

If, like her, you’re feeling frazzled because, although you told yourself last year that you weren’t going to wait until the last minute to “handle your business,” you ended up doing exactly that, fret not. I’ve got 10 tips that can keep you from making emotionally-triggered decisions as far as your financial expenses are concerned. Merry Christmas. #wink

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