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Happy New Month Everyone! This is the season to merry because there would be a lot to eat and drink but we shouldn’t also forget how to spend wisely. With the increased spending that typically happens during the last month of the year coupled with holiday obligations, friends and family, stress can easily set in and make this time less enjoyable. Here are few steps you can take to lower your stress level:

1. Stick to a Plan                                           

Utilizing a budgeting tool, making gift lists and seeking out sales and discounts can help you keep your spending under control and avoid the financial anxiety that comes with overspending. Careful planning and disciplined spending can ensure you have time to comparison shop, utilize holiday discounts and cover every person on your list. It can also help you avoid last-minute shopping, which can be particularly stressful.

2. Prepare As Early As Possible

This tip may not help much this year, but it could reduce your financial stress in years to come. Prepare for the holiday season as early as possible. If you’re a person who likes to decorate a lot for Christmas, take advantage of the sales that happen after the holidays. You can get timeless decorations that will last for years to come at 50-90% off regular store prices. This is also a great time to buy wrapping paper and ornaments that will not be outdated next Christmas. With regards to gift shopping, it is easier to get a few things each month than trying to buy it all at once. For toys and clothes though, it may be hard to predict what your child will like several months down the road. In that case, put away money every month so you have a Christmas fund saved for when November and December roll around

3. Avoid Stressful Situations

If being in crowds and traffic is unsettling to you, plan out your shopping accordingly to avoid these situations. For instance, online shopping can be a great alternative to hitting up the stores, and many retailers have free shipping deals. You might also consider shopping on your lunch break, waiting until later in the evening or going first thing in the morning to avoid crowds.

4. Keep Other Stress Sources To A Minimum

Stress is one of those emotions that only gets worse if left alone. It can quickly build on itself until you feel like the weight of the world is on your shoulders. Reduce your stress in general as much as possible, and you will have a clear mind to tackle financial obstacles. Don’t worry about family members coming over or meals you have to cook. Focus on tackling each task on its own, and the rest will work itself out over time.

5. Talk to Friends and Family

One of the most stressful aspects of the holidays is trying to keep up with everyone else when it comes to giving great gifts or trying to keep up with obligations. Rather than engaging in this type of thinking, talk with a spouse, relative or friend about the stress this is causing. Simply venting about your anxiety can go a long way, as can explaining to loved ones that you plan to keep it low-key this holiday. Many people may be feeling the same type of stress to keep up with everyone else, and voicing your anxiety may prompt others to come forward as well.

6. Make Yourself Happy:

do things that makes you happy and can  alleviate poor feelings. Eating right, staying in shape and engaging in a hobby can keep you balanced and relaxed.

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