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5 ways to give with joy, not stress, at Christmas
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There's a lot to buy around the holiday season, and in turn, a lot of budget strategizing that comes with it. Here are five ways to save your budget this holiday season. - photo by Seth Olson
So you want to trim your holiday budget, not just your Christmas tree? Youre not alone.

A survey from the Pew Research Center asked Americans what they least like about the Christmas or holiday season. As holiday fate would have it, the top three responses involve gift-giving.

A third of Americans (33 percent) said they dislike the commercialism or materialism of the holidays. Another 22 percent cited the high expenses of the season or the expectation of buying gifts. Ten percent disliked shopping and crowded stores

But the financial costs and crowds associated with Christmas don't have to be a burden. Here are five ways to manage the load and possibly replace the financial stress with the joy of giving.

1. A budget for everything

While gifts account for most of a familys holiday budget, a way to control how much you can spend is to budget for every holiday-related expense you can think of. Are you hosting a Christmas dinner? Are you hosting a New Years party? Or are you traveling for the holidays? How much will Christmas cards and postage cost?

An article on Forbes advises to write out every line item between now and the holidays to show yourself exactly why youre keeping your spending at bay.

That budget will keep in perspective what you spend on gifts, which can add up quickly. Based on an October poll, Gallup estimates Americans will spend an average of $785 on holiday gifts this year, with nearly nine in 10 people intending to spend something this holiday season. More than half (53 percent) plan to spend between $100 and $999 on gifts, and 31 percent will set aside $1,000 or more.

2. Limit the list

Apparently, Americans have mixed feelings when it comes to Christmas shopping. According to a 2014 Pew Research Center survey, 46 percent of Americans said gift giving makes them feel stretched financially. At the same time, 83 percent said buying and receiving gifts makes them feel joyful and 78 percent feel generous.

So how do we feel joyful and generous without overspending?

Forbes says you cant buy presents for everyone youve encountered in the last year. Forbes reminded gift givers that giving presents among friend groups and co-worker circles is not required.

Dont be afraid to keep your holiday gift giving circle small, reserved to family members and relatives, significant others and close friends if you feel necessary.

3. Online shopping versus heading to stores

Customer preferences are now trending toward online shopping, as e-commerce numbers have skyrocketed this year.

According to a survey from the National Retail Federation, an estimated 108.5 million Americans shopped online over the Black Friday weekend, significantly above the estimated 99.1 million who shopped in stores.

Online shopping has made price comparing much easier and faster than traveling from store to store.

For many gifts, Forbes recommends checking large retailers such as Amazon, Overstock and RetailMeNot, along with the websites of individual retailers for items and pricing that are often only available online.

Two other websites, Living Social and Groupon, can also come in handy for shoppers looking to save, particularly when buying more experiential gifts.

4. Get a price adjustment

If you shop early and then prices for those gifts drop, don't worry. Many stores will refund the difference within a certain time period.

The Huffington Post advises to keep your receipts since many stores, such as Macy's and Nordstrom, "offer a refund if the price of your item goes down within 14 days of your purchase."

5. Use the Secret Santa method

An alternative to family members giving to each other, suggest to the kids that you pool together resources to give to a family in need of help during the holidays.

Money Crashers author Jacqueline Curtis wrote how her family did the "Secret Santa" approach through their church, which decorated a tree with ornaments that identified the age, gender and specific Christmas wish of a child in need. Instead of buying presents for family members, the Curtises choose to purchase gifts for the anonymous beneficiaries.

This gives families a chance to talk about the importance of giving and service during the holidays, while also helping out those less fortunate.
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How to avoid 'sharenting' and other paparazzi parenting habits
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A recent study revealed parents often spend up to two hours staging a single photo of his or her child to post online. - photo by Amy Iverson
Before having kids, some people just dont appreciate their friends baby posts. But after having a child of their own, three fourths of new parents jump right on the parental social media bandwagon. If you have become a member of this group, there are some rules to follow for posting responsibly.

Much of a parents worry is how to teach their children to use social media responsibly. We talk with our kids about privacy, oversharing, and setting restrictions on their devices to keep them safe. But parents themselves need to look in the digital mirror once in a while. Before having children, it doesnt take as much effort to think about what to post online. Its up to us to decide what we share about our own lives. But once you become a parent, there are many questions to think about regarding what is appropriate to post about your kids on social media.

In a recent survey, kids clothing subscription company Mac and Mia surveyed 2000 new parents to find out how they are documenting their kids lives on social media, and what concerns they may have.

First of all, people without children seem to feel a bit differently about the onslaught of baby pictures online than those who are parents. 18 percent of people say before they had kids, they were annoyed by their friends baby posts. But after having children of their own, 73 percent admit they post progress pictures of their little ones every single month.

Not only are new parents letting the world know each time their baby is a month older, but they are posting about their kids every few days or so. Men and women report they post 6-7 times per month about their baby.

And while 70 percent of new parents say the benefit of using social media is how easy it is to help family and friends feel involved, there are some downsides. Here are a few tips to avoid the pitfall of becoming paparazzi parents.

Dont miss the moment

In the Mac and Mia survey, some parents admitted to spending up to two hours to get the perfect shot of their baby. That seems a little extreme. New and old parents alike should be careful about spending so much time taking pictures and videos that they dont enjoy the moment. Years ago, I decided to never live an experience through my phone. A study by Linda Henkel, a psychology professor at Fairfield University in Connecticut, found that when people took pictures of objects in an art museum, they didnt remember the objects as well as if they simply observed them.

This photo-taking impairment effect can happen to parents as well. If we are so consumed by getting the perfect photo, we can miss out on the moment all together, and our memory of it will suffer.

Dont forget about privacy

60 percent of couples say they have discussed rules and boundaries for posting their babys photos, according to the Mac and Mia survey. Even so, men are 34 percent more likely to publish baby posts on public accounts. If parents are concerned about their childrens privacy, keeping photos off of public accounts is a given.

In the Washington Post, Stacey Steinberg, a legal skills professor at the University of Florida, and Bahareh Keith, a Portland pediatrician, wrote that sharing too much information about kids online puts them at risk. They write that all that sharenting can make it easier for data thieves to target out kids for identity theft. Check that your privacy settings are where they should be and never share identifying information like full names and birth dates.

Dont be paparazzi parents

36 percent of parents say they take issue when their childs photo is posted online by someone else. Responsible social media users will always ask permission before posting a photo of another child. But parents should also think about whether their own children will take issue with their own posted photos a few years down the road.

When parents are constantly snapping pictures and throwing them on social media, it can be easy to forget to pause and make sure the post is appropriate. I always use the billboard example with my kids. I ask them to picture whatever they are posting going up on a billboard in our neighborhood. If they are okay with that, then their post is probably fine. Parents should ask themselves this same question when posting about their children. But they should also ask themselves if their child would be OK with this post on a billboard in 15 years. If it would cause embarrassment or humiliation, it might be best to keep it private.

Once children reach an appropriate age, parents should include them in the process of deciding what pictures are OK to post. Researchers at the University of Michigan surveyed 10- to 17-year-olds and found children believe their parents should ask permission more than parents think they should. The kids in the survey said sharing happy family moments, or accomplishments in sports, school and hobbies is fine. But when the post is negative (like when a child is disciplined) or embarrassing (think naked baby pictures or messy hair), kids say to keep it off social media.
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