In this June 15, 2018, file photo, cash is fanned out from a wallet in North Andover, Mass. The holidays are a time when travel, gift buying and family outings are abundant. The season can lead you to feel pressured to spend more than you usually would. For this reason, it’s important to have financial boundaries in place to safeguard your finances. The steps that can help you establish and uphold financial boundaries include creating a financial plan for 2024, learning how to say no, acknowledging any guilt that comes up and exploring your beliefs around holiday spending. (AP Photo/Elise Amendola, File)
