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It’s not too late to cut back on holiday spending

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With holiday promotions in full swing. it is prudent to set a budget so that you don't overspend and land in debt.

With holiday promotions in full swing. it is prudent to set a budget so that you don't overspend and land in debt.

ST PHOTO: JASON QUAH

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Black Friday and Cyber Monday have come and gone. So you may think that setting limits on holiday spending is a lost cause, right?

Not so, said certified financial planner Jamie Clark, as there are still the year-end festivities. “It’s never too late to make a plan.”

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