The holidays are upon us and, while we may enjoy them, our pleasure often comes at a cost.

We spend more money than usual at this time of year on holiday-related costs like gifts, dining, electricity for outdoor decorations and so on, and some of us rack up massive debt. But you're not doomed to end up in the red.

Here are 10 simple 'rich habits' you can adopt that will allow you to savor the holiday season and still make the most efficient use of your money: