Are those holiday bells ringing or the change in your pocket jingling to remind you that, yes, the most expensive time of the year is here?It’s not just gift lists and charity drives and all the sparkly window decor luring you into every store you pass that causes things to add up — there's also the transportation to and from the multitude of festive events; the hostess gifts you don’t want to show up without; the looks (New Year’s outfits! Holiday PJs! Thousands of sweaters!); and the food, festive napkins, and bottled beverages you supply at your own casual holiday gatherings. Yes, the holiday season costs a lot.That’s why we partnered with Affirm — a tool that takes the stress out of holiday spending by letting yousplit your purchase into easy monthly payments — and gathered six women to share how much they’re really spending this holiday season, as well as their best tips for navigating all those costs.