Photo by Kelly Sikkema from Unsplash

Start budgeting for this year and beyond

When it comes to budgeting, there’s something really nice about predictability. When everything else feels like a toss-up, we can count on the same holidays coming around each and every year.

With Valentine’s Day approaching, here’s a reminder to plan ahead when possible. Start saving for holiday and birthday gifts now! And while you’re at it, make an Annual Envelope for Valentine’s Day next year, so no matter how you plan to celebrate (or not), you’ll have what you need set aside.