Americans are notorious for overspending when the holiday season rolls around, and while that may be good for the economy in the short-term, it often ends up being bad for household budgets. Ultimately, though, overindulging a bit on spending during the holidays doesn’t need to create hardships as long as you know your broader financial situation is in good shape. In fact, the last two months of the year are a perfect time to create and go over a Year-End Financial Planning Checklist—ideally in partnership with your financial advisor.