DETROIT – With the Holiday Season approaching and a new stimulus deal still in the distance, many people are taking a hard look at their finances to budget for lean times. RELATED: How to get help while battle for second round of stimulus checks stalls in WashingtonHaving some type of a budget is essential -- especially as we head toward the Holiday Season, when spending is up for many. Look at your billsTake a look at all your bills and expenses to prioritize and determine what are the “must-pay” bills. Create a budgetAs for holiday spending, set a plan and create a spending budget for each person on your list. Talk to peopleIf you are having financial problems now, contact your landlord, your mortgage company and credit card companies.