In this economy, it’s not rare for families to struggle come the holiday season especially. Mark Whalen, senior vice president of Orange County Business Bank, recommends planning ahead and taking straightforward, logical financial steps to help you stick to your budget by avoiding overspending mistakes. Focus on strategic holiday shopping in Orange County, making a plan, spending less and thinking ahead, he said. The consensus from experts is to look at solid, realistic, constructive goals, and to assess your finances, take action and then be fluid in finding pragmatic solutions as circumstances evolve. Follow a few simple steps, and stop by these money-saving options for gifting without guilting yourself into overspending this holiday season.