I don't know about you, but to me, the end of the year seems like an endless stream of spending money. Expenses like gifts for family and friends, endless grocery store runs for holiday meals, travel costs, and higher heating bills might make you throw your hands in the air and fall off your financial course. Don't lose perspective as you head into the final days of 2008 just because you've become accustomed to taking out your wallet.
Keeping up with your healthy financial habits will set you up for a smooth transition to the New Year. Continue doing all of the things that have made you successful this year, like packing your lunch and using coupons. It's easy to fall into an all-or-nothing mode with money, so stay strong as we approach the year's end. You could even consider it a head start to being savvy in 2009.