And that's on a lack of self-control.

The reality of it all though is that you work so hard year-round, and you deserve to treat yourself now and then! Whether it's with some delicious pumpkin pie (leftovers? yes, please), a good Black Friday deal you found, or with a much-needed do-nothing day (or two) over the holiday break.

And after all, you're working so hard that it's okay to use that hard-earned money to spoil yourself sometimes! Not sure where to begin with all that bread you're getting? Here are some simple ways to manage your finances.