Resisting the urge to splurge on holiday presents!

I received this terrific little flyer from our local credit union and thought it'd be nice to share it here.

You may still be munching on stuffing and pumpkin pie leftovers. But let's face it, the official holiday shopping season begins the minute Thanksgiving dinner dishes are done.

Feeling the pressure? Don't worry, it's not too late to develop a plan for your holiday spending so you don't find yourself with post-holiday blues when the January bills roll in.

Here are some helpful tips so you can enjoy the holiday season without stress, financial worry or guilt.

Be realistic and have realistic expectations

Determine how much you can realistically spend from your sources of income between now and when your gift exchanges occur. Divide the sum by the number of gifts or people on your list to give you an idea of what you can spend per item or person.

Be cautious with your credit card

It is a convenience tool, however, if used improperly it can blow even the best intended budgets out of the water. If you will be using a credit card to help meet your gift purchasing goals, only spend what you can fully repay within the next three months.

Be wary of hidden expenses while shopping for gifts

When ordering gifts online or by catalog be sure to calculate postage, shipping and handling into your planned expenses. Eating out, travel expense and entertainment during your shopping trip can also quickly crimp your budget.

Be well prepared

Begin by knowing what to buy and where to get it. Stick to your shopping list and don't be tempted by items or activities that will throw off your budget. Know your limitations financially, creatively and physically.

Did you ever stop and add it all up?

The average American will spend $884 on gifts this year and will purchase 20 to 25 gifts. Don't underestimate what you will spend.

And, finally, happy holidays. Remember that the holiday season isn't about gifts in the end...