Surprising Causes of Winter Depression

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You're worried about money

Holiday expenses take a bite out of your bank account, and fretting about credit card bills can rob anyone of good cheer. Before you start racking up the bills, decide if expensive gifts are even necessary. A homemade present can mean much more than a pricey package. "Don't be afraid of the B word: a budget," says Sharp. "It can be a big or a small number. Spread it around in a way that can make you happy, but don't put yourself in the hole."

Next: You're overwhelmed with family obligations