HOLIDAY MONEY WITHOUT THE REGRET

The holidays are supposed to be joyful. Your January credit card statement doesn't have to ruin it.

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Every year, good intentions run into gift lists, party invitations, and a flood of "limited-time" offers. Holiday Money Without the Regret is a practical, plain-language Canadian guide to planning, spending, giving, and recovering, with no shame and no spreadsheet degree required.

Inside, you will learn how to:

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Set a holiday number you can actually live with, before the shopping starts

Spot holiday scams, including fake delivery texts, gift-card traps, and too-good-to-be-true deals

Use credit cards, buy-now-pay-later plans, and your TFSA and RRSP room with confidence

Handle the tricky conversations about gifts, tipping, charity, and family expectations

Start January with a clear plan to pay it down

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Built for Canadians.Examples, dollar figures, dates, and rules are Canadian, including contribution limits, benefit payment dates, and where to report fraud. Figures were checked as of October 2026.

Plus free printable companion resources:a master holiday budget worksheet, a gift list tracker, a countdown calendar, a scam response checklist, and scripts for tricky conversations.

 

Whether you are planning early or already behind, this book helps you enjoy the season and still feel good about your bank balance in January.