• Find the simpler way. Now, while you are still months away from experiencing the powerful emotions of the season, determine ways you can reasonably scale back and simplify. Make room in your holiday plans for relaxation and enjoyment.

• Be opportunistic. Whether it’s picking up shells along the shore to adorn a picture frame or finding a bargain collectible at a tag sale during your summer vacation, over the next 20 weeks or so many opportunities will present themselves. Take full advantage of them.

• Be realistic. Set reasonable limits both in time and money.

This really is the best time of the year to start thinking about the most wonder-ful time of the year.

The pressure is off so you can think clearly.

© 2005 The Cheapskate Monthly. All rights reserved. Used with permission.

    "The Cheapskate Monthly" was founded in 1992 by Mary Hunt.  What began as a newsletter to encourage and empower people to break free from the bondage of consumer debt has grown into a huge community of ordinary people who have achieved remarkable success in their quest to effectively manage their money and stay out of debt.  Today, "The Cheapskate Monthly" is read by close to 100,000 Cheapskates.   Click here to subscribe.