Arguably the greatest cause of stress at this time of year is finances. How can I afford to purchase all of the "things" for my family and friends? This question may be dancing around in your head instead of visions of sugar plums. Not to worry. With a little creative thinking and pushing some "should" thoughts away, you can make this holiday different.
There are several right answers – the most obvious answer is you don’t have to buy expensive gifts. Just because something appears on TV or in the 3,486 catalogues that arrive, or even on a wish list – there is no law that says you must purchase. There are many ways to cut back on holiday spending (that you may be still paying for next July). Talk with family members. Most people (with the exception of insatiable children) have more than they can use or need. Consider small token gifts based on the person’s favorite foods, or interests. Agree ahead of time on dollar amounts and stick to it. Do not let "shoulds" dictate your spending.
You might agree to give to a charity in the name of your family, or find a needy family to help. The joy of giving often creates a warmth of heart and mind and no holiday hassle.
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