November 2018 – Black Friday is no longer just an American tradition. Now its the beginning of the holiday shopping season for Canadians too. Unfortunately, before it even begins, many Canadians know they are going to be in the red, and in fact over half of those with a budget think they’ll overspend this holiday season. Canadians are anxious about their holiday spending and often feel obligated to spend more than they can afford. The true meaning of the holidays – spending time with family and friends – is getting lost. Heidi’s tip? Don’t go into debt to buy gifts for family and friends and don’t let the holiday season undo all the good financial decisions you’ve made throughout the year.