THE holiday season is a time of joy, celebration and family gatherings in the Philippines. As we eagerly await the 'ber' months, it's essential to not only embrace the spirit of Christmas but also plan ahead to ensure a financially stress-free celebration. By taking proactive steps and implementing smart strategies, we can get ahead financially with our holiday preparations.

In this article, we will explore practical tips and insights on how we can effectively manage our finances and make the most of our resources during the holiday season.