If you are facing a holiday season that might be less than jolly because of facing financial woes, resolve to shift the focus this year away from what you can’t do to the things that are really important to you and your family.

In order to do this, schedule a family conference well in advance to agree on a holiday strategy. Many families have strong opinions about the holidays, therefore, it is important to set expectations as a group. Read our list of alternative holiday suggestions to get started.

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