The Christmas season is a sweet time for spending time with friends and extended family members, for giving generously, and for making memories with our children. It’s supposed to be a calm, precious time of year. But gift lists, homemade goodies, stocking stuffers, decorations, and social gatherings can all quickly add up. Then, before we know it, we’re worn out, exhausted, running in circles, and have spent so much money on Christmas that we have no idea how we’re going to pay the bills.