It is the time of year when things can become more stressful for everyone, and this year seems to be a little worse than last year, perhaps due to the uncertain economy and financial strain on many families. The American Psychological Association stated that money is the cause of more than 75 percent of American's stress. This stress may occur after the holidays due to overspending and debt. What can we do to avoid the stress and maintain a sense of sanity while celebrating a season of love and giving?

Stress affects women differently than men, and we handle it differently. But some of the negative affects are the same, including increased blood pressure. The current recommendations for managing stress include taking time for yourself, managing your time, exercising, getting adequate sleep, eating a healthy diet, and getting your daily dose of sunshine and laughter.

This year, try to include financial strategies to manage stress. For instance, lower your expectations for gift giving, create a budget plan for your gifts and keep track of your spending. Purchase items online if possible, avoid impulsive shopping and shopping with credit cards.