Money is a major stressor. In fact, finances top the list as the biggest source of holiday strain, according to a recent Mental Health America survey. And it makes sense.

Take gift-giving, for instance. “Holiday gift giving is often a very public event, fraught with comparisons, excitement, and disappointment,” said Jonathan Rich, Ph.D., psychologist and author of The Couple’s Guide to Love & Money. Pricey presents tend to disappoint less, he said. “So we often go way over budget because it’s such a pleasure to give a thrilling gift and so distressing to give a gift that disappoints.”

Overspending for the holidays can leave you super stressed, in debt and pinching your pennies on the more important things. But you don’t have to feel like a slave to Santa’s wish list. Below are 10 ideas to help you reduce your spending, create a budget and fret less about your finances.

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