"It's the most wonderful time of the year," Andy Williams sings in the classic carol, but it's also the most expensive. Between hosting and attending holiday parties (wine for the hostess! new sparkly top!), gifts, and travel, the bill for holiday bliss can be a big one, which leaves you with more than family dynamics to stress about. (Most Americans rank holiday shopping as more stressful than traveling or spending time with extended family, according to a survey from e-commerce platform Needle.)

And here's what makes it worse: in a study from Credit Karma, more than half of respondents said they'd impulse-shopped to deal with feelings of stress, anxiety or depression.

"Stress spending is a bit like having coffee while you are stressed: It's an impulsive behavior that you think will calm you down, but all it does is make you feel even more jittery and anxious," Teodora Pavkovic, a psychologist and life coach tells NBC News.

"It's a vicious cycle because our excessive holiday spending plunges us deeper into debt, which then increase our feelings of fear, anxiety, guilt and shame," says Kelli Saginak, a life coach and professor, told the site.

Online spending in the U.S. is likely to grow nearly 15 percent in 2018 to a total of $124.1 billion. That's a lot of Tickle Me Elmos and Fidget Spinners. But don't worry, you can keep your holiday spending in check by avoiding these pitfalls.

You Don't Make a Budget

Savings for Christmas Shopping Clark & Washington

Got a holiday budget of $1,000? Sorry, that's not good enough. You also need to break that number down by person, Zaneilia Harris, author of Finance 'n Stilettos and president of Harris & Harris Wealth Management told US New and World Report. "The more organized you are and the more detailed you are, the better," she says.

It sounds like a job for excel, advises financial columnist Liz Weston. "Spreadsheets aren't exactly warm, fuzzy and cinnamon-scented," she wrote for the Associated Press. "But they allow us to see our total expected holiday spending and to make adjustments as necessary. (Adjustments are always necessary.)"

You Lean Hard on Credit Cards

Money Crashers

"Tons of research shows that people spend more money when they charge things," Kit Yarrow, professor emeritus at Golden Gate University and author of Gen BuY: How Tweens, Teens, and Twenty-Somethings Are Revolutionizing Retail told BankRate. "If you can pay with cash, you'll always be a little more aware of what those gifts cost."

You Let Your Emotions Get the Best of You

Timeline

Guilt gifting. Fear of missing out on a flash sale. When will turntables ever be this cheap again?!? Don't make yourself susceptible to the psychology of shopping.

If someone who wasn't on your budget gives you a gift, respond with a really thoughtful card or homemade gift—not by buying them an impulse bottle of fine Champagne. You want to show you value them, but that doesn't always require spending.

"What people have to remind themselves of is that money doesn't equal love or affection," Yarrow said.

Fire sales can also tap into our lizard brains and our fear of scarcity. Black Friday sales and weekend specials create emotionally charged and stressful shopping situations, and a fear of missing out can override common sense. "When everybody is grabbing for something, we feel we should be grabbing for it, too" she said.

Furthermore, don't let yourself be seduced by slashed prices and big savings, warns The Motley Fool. "If you buy a $500 dishwasher for $300, don't look at it as saving $200, view it as spending $300."

You Forget the Value of a Homemade Gift

Food in a Minute


"For some people, their love language is receiving things," Michelle Singletary, author of The 21-day Financial Fast: Your Path to Financial Peace and Freedom, told BankRate. Who's to say that "thing" can't be a homemade thing?

You can go big with a knit scarf or crocheted hat, or small with cookies, chocolate bark, jams, granola, homemade bread, soaps or candles. What about making beautiful, abstract watercolors and buying frames at Ikea? Aren't these gifts way more thoughtful than an Amazon gift card?

Or what about thoughtful vouchers? The parents of two-year-old twins will be overjoyed at a coupon for babysitting and your best friend would likely love lunch on you and a trip to the art museum.

You Fail to See the Big Picture

Small Business

A guaranteed way to spend your holidays feeling drained is to spend the next six weeks at the mall, looking for parking, and elbowing fellow shoppers out of your path at Williams-Sonoma. What makes the holiday season memorable is all the other stuff: fires, time with loved ones, twinkly lights, rich hot cocoa, and festive events.

Kelli Saginak suggests thinking about how to create a meaningful holiday season "with minimal stress on you, your body, and your bank account.: Ask yourself:

  • How do I really want to feel during the holidays?
  • What type of holiday do I really want to create and experience?
  • What conscious responsible actions will allow me to spread holiday cheer, lower my stress and not add to my money problems?

Celebrating is not the same as shopping, Mary Hunt, founder of DebtProofLiving.com and author of 7 Money Rules for Life, told Bankrate. What we enjoy is the ceremony and the feast of the senses.

"The sights and sounds of Christmas were the reason [my family] loved the mall," Hunt says. "So I would just take a few bucks in my pocket to get a hot chocolate and a cookie. Our purpose was to go see Santa, or to go see the decorations and ride the train." She also remembered the most memorable year being the cheapest.

"The best Christmas we ever had was when we decided to spend $100. The $100 goes fairly quickly. So what do you do for the rest of the season? You visit, you make hot chocolate. We spent the holiday with people and not in the stores. It was, by far, the best holiday ever."

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Home garden and porch

As anyone who has ever sold a house will tell you, you must prioritize curb appeal. Before a potential buyer even considers looking inside your house, they notice the outside first. Does it attract the right kind of attention? Does it take away from the feel you're going for? If you plan to sell sometime soon, you must think about these things. Here are some landscaping options to increase your home's curb appeal, so you can get the best price on your home.

Extensive Plants and Greenery

A barren front yard won't get you the price you want on your home. So, invest in at least a little bit of greenery to keep the surrounding area from looking too dead. Shrubs and bushes tie the house to the lawn that precedes it, and flower beds bring a pop of color to an otherwise drab structure. You can also strategically plant some trees to improve the overall feel of your home's exterior.

Lawn Care

As we mentioned, your lawn is one of the most prominent features of your home's exterior. A patchy, dried-up lawn will quickly drive your home's price way down. Some of the best landscaping options for your home's curb appeal involve improving your lawn for the next inhabitant. Overall fertilization, ground aeration, underbrush removal, proper mowing—all of these lawn care tasks contribute to a greener and more lively area that invites people to see your house, rather than stay away from it.

Paved Pathways

There's nothing like a broken and disheveled pathway to make someone think twice about buying a property. Just as you want the entryway in your house to be welcoming, so too should the pathway leading up to the house be inviting. The pathway from the street to your front door provides plenty of real estate to get creative with. You don't have to settle for a boring concrete pathway. Consider something more eye catching, like a cobblestone path or intermittent brick patterns, as a way to better welcome potential buyers.

Usable Outdoor Furniture

Landscaping doesn't just involve the ground you walk on; also included are the items you use as extras to the overall look. Outdoor furniture is one such extra that you don't necessarily need but can look quite attractive if done correctly. Staging is important with outdoor furniture. Old, broken-down pieces will only look like more work to the potential buyer. A few comfortable chairs, a bench, or a table with an umbrella really go a long way to improving your outdoor aesthetics.

A good tip for deciding on curb appeal items is to decide what you personally would want to see as a part of a welcoming home's exterior. You don't need to go overboard, but a little bit of forethought could net you quite a lot of extra cash in the sale.

Unfortunately, giving back can sometimes go haywire. If you're ready to make a donation, first consider common mistakes made when giving back.

Many people strive to support their community by donating their time or their money. When you find a meaningful cause, you might be quick to cut a donation check. Though it's admirable to be quick to act charitably, you should be wary of several common mistakes made when giving to charity. Being mindful of these mistakes and learning tips for making informed charitable choices can help you make the most out of your generous check.

Acting Quickly Out of Emotion

Mission statements are meant to be compelling. If you're an emotionally driven individual, it's natural to pull out your wallet at the sight of a sad puppy on TV or when informed about food insecurity over the phone. Unfortunately, not all charities are as effective or official as they may seem.

Take your passion for helping others one step further by making sure your chosen charity is legit. Speaking with a representative, reviewing their website and social media accounts, and looking at testaments online can give you a better idea of whether the organization is worth your donation.

Forgetting to Keep Record of the Donation

Don't forget that you can reap some financial perks from giving back! With the proper documentation of your donation, you can acquire a better tax deductible.

If you donate more than $12,400 as a single filer or $24,800 as one of two joint filers, you're eligible to deduct that amount from your taxes. So, when a charity asks if you'd like a receipt of donation, always answer yes.

Donating Unusable Materials

Most charities can utilize a monetary donation—it's the physical donations that usually cause some issues. Providing a local nonprofit with irrelevant materials or gifting them with unusable products are surprisingly common mistakes made when giving to charity.

Always check your intended charity's website for a list of things they do and do not accept. The majority of places will provide a guideline to donating or offer contact information to clarify any questions.

Strictly Giving at Year's End

As more and more people get into the holiday spirit at the end of the year, nonprofit organizations see an influx of donations. While it's great to spread holiday cheer via a monetary donation, it's important to keep that spirit going year-round.

With regular donations, charities can more effectively allocate their annual budget. Setting up an automatic monthly donation with the charity of your choosing can maximize your impact. You can account for a monthly donation by foregoing a costly coffee every once in a while.

Knowing how much you should spend on home maintenance each year is hard to figure out and may be preventing you from buying your first home. The types of costs you'll incur depend on the house you buy and its location. The one certainty is that you should start saving now. Read on to figure out how much to start setting aside based on the home you own.

The Age of Your House

Consider several factors when budgeting for home repairs. If you've purchased a new home, your house likely won't require as much maintenance for a few years. Homes built 20 or more years ago are likely to require more maintenance, including replacing and keeping your windows clean. Further, depending on your home's location, weather can cause additional strain over time, so you may need to budget for more repairs.

The One-Percent Rule

An easy way to budget for home repairs is to follow the one-percent rule. Set aside one percent of your home's purchase price each year to cover maintenance costs. For instance, if you paid $200,000 for your home, you would set aside $2,000 each year. This plan is not foolproof. If you bought your home for a good deal during a buyer's market, your home could require more repairs than you've budgeted for.

The Square-Foot Rule

Easy to calculate, you can also budget for home maintenance by saving one dollar for every square foot of your home. This pricing method is more consistent than pricing it by how much you paid because the rate relies on the objective size of your home. Unfortunately, it does not consider inflation for the area where you live, so make sure you also budget for increased taxes and labor costs if you live in or near a city.

The Mix and Match Method

Since there is no infallible rule for how much you should spend on home maintenance, you can combine both methods to get an idea for a budget. Average your results from the square-foot rule and the one-percent rule to arrive at a budget that works for you. You should also increase your savings by 10 percent for each risk factor that affects your home, such as weather and age.

Holding on to savings is easier in theory than practice. Once you know how much you should spend on home maintenance, you'll know what to aim for and be more prepared for an emergency. If you are having trouble securing funds for home repairs, consider taking out a home equity loan, borrowing money from friends or family, or applying for funds through a home repair program through your local government for low-income individuals.