Money Management Counselors is stressing the importance of financial budgeting as 2021 begins.  The community organization in Sturgeon Bay works with families and individuals to improve their lives by teaching sound economic principles to implement all year long.  Director Leslie Boden says although Christmas is over, a long-term spending and savings plan is vital to do all year long.

Boden adds that sticking to lists and boundaries set down by a plan can make it easier to keep within your budget.  She advises people to utilize a "cash envelope" where you put only so much money aside for gifts throughout the year and only use those funds.   Another idea to save money is to recycle gift cards you might have received and give them to someone else. You can find more tools to create a budget for spending here.