While many retailers started giving their full court press in holiday advertising at least a month ago, most shoppers shift gears to the holidays after Halloween has passed. Well, tomorrow marks the occasion for haunted houses and candy corn, which means November and intense holiday shopping is already upon us. During the holidays, saving often takes a back seat to spending, so here is my solution for ensuring you're left with more than pennies after the season of giving has ceased.
In-the-Black tip: If you haven't already, set up automatic transfers from your checking account to a savings account that occur whenever you receive a paycheck. The money will be out of sight and unavailable when you're out shopping with your debit card, and you'll feel better about spending money on gifts for others knowing that you've already taken care of yourself.