The holidays can be a great time, but they can also be pretty stressful financially, especially if you haven't set aside money throughout the year. But finances can stress you out all year long. The best way to deal with the stress is to come up with an actionable plan, so that you know where your money is going. The plan should be more than just a budget, because it should be looking at ways you can work to reduce your financial stress.
You need a long-term plan with ideas to raise your income and reduce your debt. If you plan carefully, you should be able to create a long-term plan that results in a steady increase of your income, and that will help you achieve your goals. Financial stress tends to disappear if you have an emergency fund of at least six months income in the bank and you are debt free. This gives you the wiggle room you need to make ends meet while you look for a new job. It also makes it easier to save and invest your income so you can retire comfortably and do the things that are most important to you.