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Whats your main source of holiday stress? Finances, according to 55 percent of respondents to a Family Credit Counseling Service Survey. Thats because women tend to think “bigger is better,” which leads to overspending, says Jennifer Openshaw, author of The Millionaire Zone: Seven Winning Steps to a Seven-Figure Fortune. Its better to buy a small gift that really speaks to the recipient than something expensive. And by cutting out a few daily expenses, you might just be able to save enough for some meaningful gifts. helped us come up with this chart to show you the way.

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12 lattes


pedicure for Mom

8 lunches out (at $7 each)


personal-training session for your sister

3 CDs


one-year subscription to Sports Illustrated for Dad

1 dinner-and-a-movie date


new gym bag for your sweetie

4 extras at Target (wastebasket, pair of sweats, bag of chips, and a new nail polish)


golf lesson for your brother

2 manicures


funky pair of Keds for your niece

Quick tip
Pay for $1,000 in gifts …

…With a credit card
Youll spend $400 in interest if you pay it off in a year; $50 in interest if you pay it off by March.

…With a debit card or cash
Youll save enough money to buy a months worth of groceries or get a gym membership.