According to a new survey of teens and Millennials ages 14 to 29 by Junior Achievement and Ypulse, 87 percent said they plan to buy holiday gifts this year. But only 51 percent of those who plan to buy holiday gifts said they have a budget. The survey also found that 59 percent of teens and Millennials plan to do their holiday shopping in-store rather than online (41 percent).  Getting good money management habits in place when you are young can help you avoid financial pitfalls, so it is important to model responsible personal finance habits for the young people in your life.