Holiday time is often filled with stresses--for whom do you buy, what is it, and how much are you going to spend.
Wallstreet Journal provided " Seven Smart Money Moves for the Holidays" last year that bears repeating.
1. Set a gift budget in advance and stick to it. Only take cash to the mall.
2. Negotiate a gift truce among adults. Either no gifts or one gift to a random person. Specify an amount.
3. "If you get a choice, opt for time spent together building memories versus giving stuff that leaves you drained of your hard-earned cash." Go on a picnic. Give cooking lessons.
4. Set up funds for the children (grandchildren). Family and friends can contribute to a 529 college fund as their gift. Or help them open their first Roth IRA.
5. Forget the presents and give to charities. Join in on a hunt for organizations you want to support.
6. Give handmade items such as cookies, soups, pesto, flavored olive oil.
7. Research prices online to make sure you are getting a good deal.