The holidays have a heavy label. All the gifts, travel, food, and entertainment can quickly drain your bank account. While a precious holiday memory is worth splurging on, now that the holidays are over, it’s time to get your finances back in order. Here are some tips for recovering from holiday spending.

As always, your first step is to look the person in the mirror. Pull out your budget and take a hard look at where you stand financially. This can be the most sobering part, but you need to calculate how much you spent over the holidays so you know exactly how big a gap you need to fill. Take a look at your credit card and bank statements for a detailed breakdown. (Here’s my guide to conducting a spending audit on yourself.) Hey, maybe it’s not as bad as you think! Or maybe it’s worse. Either way, you need to know.

Apps like YNAB and Goodbudget (RIP Mint!) can help you create a budget, track your spending, and set goals to save money. The visualization and notifications they provide can keep you focused and motivated. Look at the best budgeting apps based on what kind of saver or spender you are and choose one that makes it easy for you to see exactly where your money is going so you can identify areas where you can cut back.

I know etiquette can be tricky, but I’m a big believer in giving gifts back for money if you simply can’t use them. Personally, if I screw up and give someone something they don’t want, I’d rather they at least get some money back for it, rather than have it sit on a high shelf in a closet, causing them to hate me and ruining our relationship forever. Pretty obvious.