Myth 1: "I will remember what I spend"
Memory can undercount. Write each holiday purchase down when it happens.
Myth 2: "It is on sale, so I am saving"
Myth 3: "I will start saving later"
Myth 4: "A card is fine, I will pay it off"
Myth 5: "Only gifts count"
Food, travel, decor and giving are holiday costs too. Budget for all of them.
Fix the plan, not the myth
The guide has the six steps and worked examples. Figures are hypothetical. General education, not financial advice.