Surviving the Season: Save More, Stress Less

‘Tis the season to be jolly, but all the money you’re spending on gifts for friends and family may have you feeling less than merry. Don’t let yourself fall into the trap of holiday overspending out of a misguided sense of obligation. Follow these simple steps to prevent a financial meltdown:

• Make a list, and check it twice
Planning a realistic budget ahead of time will help ward off financial stress after the holidays. Make a list of those you will give gifts to with a dollar amount next to each name. And stick to it!

• Manage expectations 
Tell your kids, family and friends that you’re simplifying for the holidays, and then do it!

• Don’t wait in line, get online 
The online shopping world means no lines and no gas wasted battling through traffic. Browse at your leisure whenever you have spare time, and you’ll be done before you know it. Start early to save on shipping costs.

• Do it yourself 
Home-made gifts offer a personal touch that store bought presents can’t beat. Plan ahead or keep projects simple, so you aren’t stressed to finish them on time. 

• Start a family exchange 
Pull names out of a hat to make sure its fair. Gift exchanges allow each person to buy a thoughtful gift as opposed to several so-so ones – and you won’t go broke. 

• Use a rewards card 
If you’re going to charge it anyway, use a credit card with rewards. Those holiday purchases can help you earn miles for a cheap, even free, vacation in the future.

Above all, keep your priorities in order. The holiday season is a time for loved ones to come together; it’s not just gift giving. Do your best to plan ahead and start early; avoiding last minute spending and stress will ensure that you and your finances survive the holiday crush.

If you find yourself unable to shake off feelings of anxiety, stress or sadness that creep up during the holidays, consider speaking with a licensed Marriage and Family Therapist. A professional can guide you through the difficult holiday period and help you relieve your anxiety.

For more information about Marriage and Family Therapists, or to locate a therapist in your area, please visitwww.TherapistFinder.com.