Q. Finances have been difficult and going into the holiday season does not bring me a lot of joy. Can you offer some financial advice?— Maurice, Newmarket

A. Here are a few tips to reduce stress and enjoy the season:
• Give a thoughtful, creative but inexpensive gift.
• Create a holiday budget and stick to it.
• Pay cash for all gifts — no credit cards please.
• Eat out less.
• Comparison shop.
• Buy gifts for kids only.
• Shop early. Last-minute shoppers tend to spend more.

– Henry Choo Chong, CGA, can be reached at choochonghcga@yahoo.ca and 416-485-5225.