The holidays are just around the corner, and it'll be the new year before you know it. Take advantage of this calmer time to plan for the holidays and the year ahead.

Many cultures have important celebrations at the end of the year, and you may have plans to participate in some or all of them. Those expenses aren't usually built into budgets and spending plans, so take some time now to consider how much you're going to spend and where you'll find that money. 

This is also a good time to start thinking about 2022. You can look back over your spending for the year so far and see where you're consistently over budget or under budget, which will help you make adjustments for the future.

To make this easier, use budgeting tools that help you track your spending, like an app or spreadsheet. Your financial institution may have free resources you can use. For instance, Veridian provides a Financial Wellness for free in online banking. It automatically tracks your spending, lets you set savings goals and has a survey you can take to evaluate your financial position.

No matter what tools you use, don't let the holidays distract you from your financial goals. Come up with a plan now to stay on budget while enjoying time with family and friends, and start thinking about 2022.