Maybe I'm the only one, but I always end up overspending during winter and the holiday period, and sometimes I've had credit card bills that have taken months to pay off. So, what are the tips and tricks you use for not overspending during winter and the holiday season?

Here's my arsenal: Set a spending limit, make a list (and check it twice!), consider DIY gifts, and take advantage of sales. Sticking to a plan has saved my budget and sanity.

You are definitely not alone in that. Every time i am bored or have extra 10 minutes free, i start checking another online shop. I want to stop that , so was checking paycom reviews, which might be able to help with the accounting. I am very bad with my finance and that is time to change it.