Most people enjoy getting holiday gifts and cards in November and December. No one, however, enjoys opening holiday credit card bills in January. One way to prevent depression AFTER the holidays is to create a holiday budget and stick to it. The temptation to overspend doesn’t just start with Black Friday. It starts with unrealistic expectations for the perfect holiday, and the all too frequent belief that the key to the perfect holiday is the perfect gift, whether we can afford it or not. If we can’t afford the “perfect” gift, maybe it’s not so perfect. The gift of time spent with a loved one, or time spent making a handmade gift, can create a memory that will be treasured long after the wrapping paper is gone.