Get ahead of holiday spending with practical budgeting tips for November. Learn how to plan your purchases, use rewards wisely, and start the new year financially strong.

With income uncertainties and spending changes brought on by COVID-19, it’s crucial to adapt your budget. These five tips—building an emergency fund, using a 50/30/20 spending rule, managing credit card debt, exploring loan relief programs, and refinancing your mortgage—can help you gain financial stability in uncertain times.