We’re all about celebrating family, friends, religious and spiritual beliefs, and love of my fellow man during the holiday season. But, we’re also all about making sure that our values, gifts, budget and spending match. We see so many people stressed out with credit cards, or inability to meet expenses, or not accomplishing their real goals, who admit to spending more than they should at the holidays. That overspending stress leads well into the next year and sometimes more than just one year. We’ll tackle gift giving first. Then we’ll take on the other area that seems to build in overspending: food and alcohol. We also have a holiday questionnaire that can help you think about what are the most important characteristics of the holidays for you, which can lead you to creating traditions and gifts that symbolize the holidays for you and bring your values, gifts and spending in line.