How to Lower Holiday Shopping Stress and Avoid Going in The Red this Season

Too many people tell me they are still paying for Christmas on their credit cards as Easter arrives or longer. In a burst of holiday cheer we can easily fall prey to really effective marketing tactics. Today, I was once again deluged with “deal of day” and “nearly running out of time” texts, tweets, updates and email messages. Plus, catalogs, flyers, and annoying pop-up windows.