The holiday season is a tough time to set limits on anything! It is hard to stick to a diet. It's hard to enjoy the company of everyone who comes through your doors. And it really hard for some to stick to a budget when it comes to Christmas shopping!

A recent study found that a lot of us do have a holiday budget...it just doesn't mean anything because we know we're really going to spend as much as we want. In fact almost 30 percent of us that make a budget will toss that budget away at the first sign of a sale or a toy that we want! Around 45 percent will at least try to stick to it and then there are the realists that have accepted their fate and have no budget at all...but probably a lot of debt.