They are financially smart with gifts, dinner and outfits and give their best budget tips | Money

experts by experienceDecember is a time of excess. From lights, trees, balls, stars, clots. As nice as the holidays may be, they can also cause headaches for someone with little to spend. For them and everyone who wants to be able to look at their bank account without batting an eyelid in January, we asked three experts for budget tips for the holidays. ‘With the money you save, you can buy something new.’

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