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There are a lot of great sales and deals in stores after the Christmas holiday. Many people wait to purchase big-ticket items until January hoping they’ll save some money on things they need.

Christmas is weeks away, but for many people, their carefully planned budget is already a thing of the past. It’s no secret that sticking close to a holiday budget can be difficult. The most important part of getting your budget back on track is realizing that you aren’t alone.

Expenses that you don’t normally put into a monthly budget can creep up and cause problems with your regular financial routines. They aren’t really emergencies, but meeting these obligations is an important part of life, so coming up with extra money in a hurry can feel like an urgent need.

One of the most expensive times of year for many people is the winter holiday season. Gifts, hosting parties, large family gatherings, and travel expenses don’t have to cause problems with your budget, though.