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The most wonderful time of the year often doubles as the most costly. Between travel, decor, gifting, and gathering – plus the added cultural pressure to make it all “picture perfect” – holiday expenses can add up fast and leave you scrambling come January. “Even the most fiscally responsible households aren’t immune to seasonal expenses stretching their budgets thin in the new year,” said Manny Salazar, CEO of Take Charge America, a national nonprofit credit counseling and debt management agency. “A deliberate reset in early 2026 can help f...