The holidays are fast approaching. If you haven’t already, it’s time to start preparing your wallet. That might mean making some changes to your spending and saving habits to afford all that comes with this time of year — like gifts and travel. That’s what most Americans are doing. A recent CNET Money survey found that 72% of shoppers are making (or have already made) trade-offs to afford shopping this holiday season. Since inflation has taken a toll on our finances over the past few years, I don’t find this…