One of the most important facets of managing year-end finances is to be a smart holiday shopper. First and foremost, make sure to set some parameters and operate from a spending plan. Make sure to track your purchases along the way so that you stay within the budget you set for your household. Finally, make sure to take advantage of the deep discounts that often occur during the holiday season. Black Friday and Cyber Monday offer a great opportunity to make purchases that don’t break the bank!