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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Earlier this year we started posting fun money tips and quotes on our Instagram feed.  Check it out: https://www.instagram.com/moneysavvygeneration/

A recent #moneysavvysays quote reminds us that in order to live it up later, we can’t always live it up now.

What’s the deal? Budgeting your spending and saving money where you can (like with at home ☕️ versus Starbucks) allows you to save your 💰 for bigger and more important things.

Building an emergency fund makes sure you’re protected in case of something serious.

Saving for a vacation allows you to save for a goal that results in celebration.

This delayed gratification is like a muscle you exercise to stay healthy and strong with your money habits.