In the latest #MyTwoCents, Charlotte Cowles offers advice to a reader whose finances are getting in the way of their fun this holiday season: “It’s barely December and I’m already in debt from all my holiday spending. It’s a problem of my own making (I’m a freelancer and took some long-overdue time off work this summer, so I’m a little low on cash). But I’m also living it up more than usual. First I’m flying across the country to visit my sister and her new baby (!). Then I’m going to Mexico for a fancy wedding during New Year’s. I wish I could say that I’ve cut back on everything else to pay for it, but ... I haven’t. I shopped a lot during the Black Friday sales and bought my family nice Christmas gifts. I’m hosting a party with friends next week. I just feel like, after the past two years of not going anywhere for the holidays and deeply missing my friends and family who live far away, I’m tired of being responsible and I don’t care how much it costs to enjoy myself and see the people I love. But that doesn’t actually change my deep anxiety about the fact that I can’t pay my credit-card bill this month. I don’t even want to look at the numbers because I’m nervous that it’ll ruin everything I’ve paid for. I know that being in denial will only make things worse, though. How can I have fun this month without digging myself into a deeper hole?” Read Cowles’s tips for how to do more with less over the holidays at the link in bio.