Susan Johnston Taylor of U.S. News & World Report quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a piece about holiday costs we forget to budget for. “People forget about the one-off, the uncle or the aunt or the neighbor to give a gift. Or going to holiday parties, they don’t plan the expense to bring a gift,” says Foss. Instead of using credit cards, Foss recommends that clients shop with cash to avoid overspending, and suggests clients use Acorns, an app that automatically invests spare change for you. “I’ve done that for a year now, and most people are amazed how quickly it adds up,” says Foss.