The holidays are rolling around quicker than ever, once again. It seems like everyone is trying to figure out how they are going to make it financially through the holiday season.

The main topic on most people’s minds is whether to save their hard-earned cash or splurge for the season. Now the most logical thing to do is to save all your money and become the Christmas Scrooge.

It is a special time of year, and it is important to be with family and make these holidays as joyous as possible for our loved ones. Splurging is what separates these year-end holidays from the rest of the holidays in the year.

At the same time, it is essential not to break the bank on unnecessary items for the holiday. Take care of the bills and necessities first, then use the leftover cash for the extra things.

It’s also key to write lists and narrow them down to your essentials. Make as many lists as needed with anything from groceries to presents. Being organized it the key to holiday success, because streets and stores are packed with traffic from frantic holiday shoppers.

Alongside of sales ads, coupons will help save a ton of cash and can be found every Sunday in your favorite newspaper.

Most of those will be grocery coupons, but many times there will be coupons for Macy’s and other stores, too. If your favorite store does not offer one found in the newspaper, you should try going online.

There are also perfect items to re-gift. Now it doesn’t have to be the same cheesy gift that was given to you initially.

If one just uses some creativity, that loofa sponge on a wooden handle that has been in that drawer would make a great bath and body gift. Just add a bath pillow and salts.

One doesn’t have to spend a ton of money to make a gift beautiful, just be a little creative.

During this holiday season organization is the key. Start early by making your list for food, gifts and what ever else.

One should look at ads to find the best deal on what exactly is needed by looking for and gathering coupons.

With all the money one saves, one will have enough left over to save.

Times are tough and in this economy it is most logical to take all your hard earned cash and shove it between your mattress for safe keeping.

Yet, with the right tools and planning you can have a successful and a frugal holiday season. So go ahead and splurge. You deserve it.