Christmas can be a stressful time. The expense of buying gifts. The pressure of last minute shopping. The expectations from family. Since it is too late to help you this year, here are some tips to put into place for next Christmas season. Start setting aside money in a Christmas account in January and add too it all year. If you have a large family, purchasing gifts for everyone cane be costly. Either suggest buying gifts for children only or have a “Kris Kringle” where you draw names and buy presents only for that person. Set a limit on cost of gifts also. When shopping make a list and stick to it. Get plenty of rest, drink lots of water and head for the veggie tray instead of the dessert table! Merry Christmas Eve.