 TITLE: Best Ways to Prepare Your Finances for Holiday Spending CONTENT: Be Realistic\n------------\nFor many people, this year will mean cutting back on gift giving. Therefore, commit to buying only what you can afford. Family members and friends should understand if you find yourself in tough circumstances and aren't able to be as generous as you typically are. You might even elect to step away from some gift-giving traditions altogether, such as the annual gift exchange at work. END