The headlines about our children’s financial future can at times be very sobering. Enormous debt is being hoisted onto the backs of our kids and their kids.

I hate to be harsh, but the reality is life is not and never will be fair. Our children’s world is now going to be very different from ours. It will require them to live more frugally, delay more gratification and have much less as an adult than we, their parents, had. And it is our job to prepare them, to make sure they are prepared to deal with and thrive in this new world order. Now, while they are still under our roof.

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Money stress can take the joy out of the upcoming holidays. And don’t get me started about the money hangover in January.

Here are 3 tips to help you steer clear of the money stress and pitfalls of the season:

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All I see these days in the headlines are gift lists of ideas to help you find and buy and then give the perfect gift. To your spouse, kids, teacher, hostess. All those gifts that – well, let’s be honest here, nobody really wants.

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I am tired of reading articles like this: American millennials have an average net worth of $8,000 — and it’s part of a bigger financial problem the generation is facing.

The results of all of these studies are all about decisions that were choices someone made – not an emergency health crisis, or a loss of a job, but concrete choices to spend that money in that way. Many of the choices that are keeping millennials from saving for retirement are flexible expense choices. That means, if you are a millennial, you are in control of that money choice.

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