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    25 ways to handle money worries during the holiday season

    The holidays can bring on a lot of stress, but these tips can help you to actually enjoy the season.

    It’s that time of year again when stress hits because of how much money you do or don’t have. You know what is coming up in December: The never-ending gift giving and party-going. It is the most expensive time of year that, quite frankly, will put some of us in debt way into 2018.

    There are things you can do to prevent this cycle, but it will take guts and planning. Think about it: What can you do to plan for the holidays so that you can keep your head above water and actually enjoy the season?

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    1. Create a budget and stick to it. No impulse shopping.

    2. Be realistic about how much you can afford to spend. Explain to your kids about how money works.

    3. Stay away from layaway. A lot of people walk away from layaway without ever claiming their purchases.

    4. Do not put things on credit cards when you know you can’t afford it. The interest will eat you alive.

    5. Don’t spend money in restaurants and bars. It gets pretty pricey out there.

    6. Make homemade cards and gifts. These are the things people keep for a lifetime.

    7. Cook instead of buying, but pay attention to what the cost of the ingredients are. Watch where you shop as prices are different at various stores.

    8. Make a gift out of family recipes. They are priceless and need to be passed on from generation to generation.

    9. Do not get into fights over money with your loved ones. It is so easy to argue. Is that how you want to spend your holiday — mad at a loved one?

    10. Talk to your family about cutting back on all the spending. You may be surprised that others in the family feel the same way.

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    Lisa Newburger, LISW-S
    Lisa Newburger, a master's level social worker supervisor, helps audiences find humor in talking about tough topics. Her "in-your-face" ...


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