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the gift is right and if you can really afford it. This is especially useful if you're finding things you want to buy for yourself.

Shop alone. You may be tempted to bring your pals along, but it's really best to shop by yourself. Why? You can think better, quit when you get tired, and avoid impulse buying. Your friend might also point out that beautiful sweater that would look fabulous on you and talk you into buying it (remember the two-day plan).

Use your credit card sparingly. If you must buy on credit, it's usually a good idea to use only one card so you can keep track of expenses. Use it only for convenience or make sure it's the lowest interest card and can be paid off quickly (maximum 3 months into the new year). Also, be wary of thieves trying to get account numbers and ID through your mail box, trash, pick pocketing, looking over your shoulder, telemarketing, carbon copies, etc.

Give from the heart. Can't afford it? Then don't spend it! Gifts are not the most important things in life, you know. If you absolutely must give something and the money doesn't exist, give something you made yourself. One gift I'm giving my amateur photographer husband this year (but don't tell him) is a wooden picture frame mounted with four black and white shots he's taken on our various trips to New York, Charleston, SC, and St. Augustine, FL. The frame costs about $15 and we already have the prints.

You can also give your specialty home-baked breads and treats, your own artwork or poetry framed for display, personalized pottery or crafts, a favorite photo made into a poster, favors like car washing, baby-sitting, back rubbing, house cleaning, etc. Use your imagination and have a blast coming up with fun ideas!

Don't let this holiday season scare you (except maybe on Halloween night); with a little planning and some self-control, you can enjoy the peace, goodwill and fellowship the holidays are meant to bring.

And one last thought: no matter what holidays you celebrate this winter, let the spirit of the season lift you up and help you remember the best gifts in life are good health, good friends and peace of mind.

Learn more about this author, Kenda Robertson.
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