It’s that time of year again when everyone is busy shopping and preparing for Christmas. I know for me, the stress of trying to get everything done between Thanksgiving and Christmas can be overwhelming! You’re trying to share your time, gifts, and good wishes with everyone you care about and the Christmas spending can get out-of-control! The media, TV, commercialism, and large retailers make us believe the more expensive the gift the more you love! Leaving consumers feeling pressured that they must buy, buy, buy to show they care. But, how do you know when things are out of control and you’re spending too much? Join me today as my guest, Diane Tegarden, (http://www.firewalkerpublications.com/) Author of Budgeting on a Dime – 10 Steps to Financial Independence (http://www.amazon.com/Budgeting-Dime-Steps-Financial-Independence-ebook/dp/B009WA02YS/ref=sr_1_1?s=books&ie=UTF8&qid=1417643599&sr=1-1&keywords=Budgeting+on+a+dime) and I discuss some savvy ways to prepare for the holidays, have fun, and not totally blow your budget. Don’t start 2015 feeling depressed and overwhelmed when the credit cards bills start showing up! The spirit of Christmas regardless of how you celebrate it…is peace, goodwill, and love! Happy Holidays to everyone from “Surviving the Credit Crisis!” Wishing you and yours all the best!