Don't ruin your Chrismas memories with a holiday hangover of debt in January. Take a few tips from Santa including how to avoid paying as much as 50% more for everything you buy.

Even if you leave your shopping until close to the end, make a holiday spending plan before you hit the stores so that you don't max out your credit cards. Read on for some quick tips on how you can avoid holiday debt this year.

Overdraft protection can make you feel richer than you really are, and if you dip your bank account below zero and take advantage of your overdraft limit, the costs and fees should make you think if it's truly a service that protects you, or if it's become a problem . . . (Learn more)

When you're a student with a student loan, a self-employed entrepreneur or someone who depends heavily on commission or seasonal income, you might be tired of hearing everyone tell you that a budget will make managing money easier. When you have irregular income, what if creating a budget is the problem?

If you have fluctuating income, seasonal employment or if you depend on lump sums of money to carry you through several months of expenses, creating a budget can be extremely difficult.

The trick is that while your income fluctuates, with some careful planning, your spending doesn't have to. Here are 3 ways to budget with irregular income. (Read more)