Are you anxious about gift-giving this holiday?  If so, here’s my second tip on how to make this a more relaxed time of year for you and your family.  Here’s the link to Tip #1, in case you missed it: Tip #1:  Make a List

Tip #2: Set a Budget – Now that you have a written list of those you want to give a gift to this holiday season, on the same piece of paper write down the amount of money you have to spend. Now you can see just how far your money will go this season. Stretch those dollars by getting creative. Hand-made gifts require time and talent, not so much money.  Here are 2 of my fav homemade gifts from my kids! Letters for when I need them most and a deck of cards with 52 reasons why I am loved. Priceless indeed!

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