It’s no secret that one of the main reasons the holidays are a frustrating time is the way they can easily overwhelm your budget. Before your holiday spending gets serious this year, give your holiday budget a makeover, and make sure it includes all the ways you plan to spend. Once you can account for all the hidden ways the holidays can drain your budget, you’ll be able to make wiser decisions when you spend – and not greet January from under a mountain of surprise debt.