If you have pre-holiday financial anxiety, join the club. Between the gifts, meals, gatherings, traveling, and even the office white elephants, the season can feel like a bottomless money pit. But this year doesn’t have to be that way. In fact, there are several steps you can take to prevent a financial hangover come January 2.

I’ll break down all of those strategies, but just know that they do require planning ahead. It’s not rocket science, though. And you’re already here reading this in advance of the big seasonal rush. So good on you!

To ease your mind, supercharge your funds, and help you save, here are a few savvy tips you can start implementing right now. Cha-ching!

1. Pay In Cash

The cool thing about using cash to pay for things is that it keeps you honest. If you only have $10

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