Distant family members might not reach out to you for birthdays, but they will reach out when they need a big favor.

The Holiday season is an easy time to make bad choices with your money. This is especially true for those of you who have needy family members asking for expensive gifts or if you have a burning desire to treat yourself. Unfortunately, most of the time, the smartest thing to do is the least fun thing. As much as I wish we lived in a universe where we didn't have to budget months in advance for a “treat yourself” moment, sometimes it's necessary. Now, before we get to enjoy the horrible financia…