Christmas is over and now is the time to reflect on 2012. One of the most remarkable things that happened to me is that I had a stress free Christmas! I achieved this by putting up a minimal of decorations, taking my time cooking and serving dinner late (9:00 pm), not overspending my gift budget and focusing on spending the day with my family. Now I know if you have young children this is difficult to do but consider the value of having a happy stress free Mom on Christmas versus a stressed out Mom that is pushing her endurance. Maybe incorporating one or two of my suggestions can make a difference. However under no circumstances should you exceed your gift budget. It is the sure way to start off the new year stressed about money,
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