The big holiday season is right around the corner, and with it comes many celebrations and festivities. Temptations to overspend, such as Black Friday and Cyber Monday, are rampant, and navigating the “season of joy” without breaking the bank can be a tricky endeavor indeed. To help you save money during this time, Clayton, Paulk, & Associates are offering holiday spending tips to make sure you start off the new year financially sound.