Juggling all that holiday shopping, dinner party throwing, and covering your entire apartment in a sea of glitter and string lights on top of your regular day-to-day routine can quickly turn the most wonderful time of the year into the most stressful…especially for your bank account.

Need to get smarter with your money, but have no clue where to start? I’ve got 5 tips that’ll help you create a budget you can actually stick to.