Make a holiday list and stick to it

Everyone feels the financial pinch over the holiday season and this year many are feeling it even more.

Most tend to buy on credit and then try to deal with the bills in January. I know it can be extremely hard to stick to a budget over the holidays, so here are some money-saving tips to keep in mind this Christmas season.

It is best to make a list, determine a budget for each gift and stick to it. If you can't find a gift for your price point, opt for gift cards so that they can be used after Christmas in all the retail sales events, in stores or online.

Why not consider “teaming up” and go in on gifts with others to limit costs and maintain your budget?

Set expectations with family so that everyone plans to spend specific amounts on gift giving. You could also choose to have an adult name-picking or secret Santa.

Consider buying everything online this year, especially through your local businesses who really need our support. Take advantage of sales and have it delivered right to your home — or better yet to the home of the person you are buying it for. It's like your own little valet service.

Also, don't forget the dollar stores, great for Christmas stocking stuffers, wrappings, cards and decorations.

Many might be limiting the big family meals and parties this year, and opting for a small gathering of close family. Make sure you delegate the dishes or opt for a potluck dinner to reduce the cost of the meal.

It really is not hard to be gracious this season. A thoughtful Christmas message in a handmade card or a letter of devotion and love can be cherished more than any store-bought item.

Be kind to one another, especially after the year that we have all been through, watch your manners, forget the grudges and enjoy your family.

Remember, happiness isn't defined by how much you spend. It is what you do and your true compassion for others.

Wishing you all a wonderful holiday season.