If the festivity of lights, seeing Santa, and trying to figure out what you should get for all your loved ones stresses you out, you are not alone. As much as the holidays are supposed to bring about cheer and merry good times, it can be stressful for those that already have credit card debt, and too many things are there to do list before even being able to think about holiday expenses. No need to fear, this year you can make it one to remember without stressing out.

Setting some ground rules is the best place to start. You might have had them growing up, or now set them for your children, but they can work for yourself as well, especially when it comes to spending money.

First start by making a list of all the people you need to buy gifts for and set a price for each person, maybe it