As wonderful as they can be, the holidays are usually stressful. Between juggling your usual responsibilities, attending holiday parties, spending time with family and friends, and braving the crowds to shop or go out, there is never enough time or money. Here are a few tips we think are worth sharing to help ease your stress and get the most out of your time and money this holiday season. 1. Make a budget: Our recommendation for most families is that they don’t spend more than 1% of their annual household income on the holidays. So, if you have a combined income of $200,000, you would have $2,000 to spend. 2. Make a list: By making a gift list and thinking about how much to spend on each person, you’ll have a better idea of what your budget should be. Although it’s easy to overlook the small costs, those are the ones that can add up quickly. Remember that this budget should also include things like cards, postage, décor, wrapping paper and bows, food, parties, and even travel. 3. Create a spending cap for each person: This goes along with #2 - there are so many groups to buy for – family, friends, coworkers, even the mailman. We recommend creating a cap for each person – a total budget tends to quickly get out of hand when you don’t add it up until your shopping is