Halloween is not the biggest holiday dollar-wise. Consumer spending is far higher for Valentine’s Day and Mother’s Day. At least this occasion may involve the whole family, including your pets.
– gifts for families, friends, co-workers, and neighbors;
– non-gift holiday items, notably candy, food, decorations, greeting cards and flowers. If you can reuse decorations, go for it;
Start a plan during the holiday season that you can commit to even if it means after the holidays. Pay more than the minimum amount owed and work your way toward paying your balances in full every month.