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Everyone wants to enjoy a fun and plentiful Christmas, but you certainly do not want to have day after Christmas buyer's remorse.  Especially when there are little kids in the mix, there is a lot of pressure to "keep up with the Joneses" and have an over the top Christmas.  While Christmas is an important tradition and holiday in our family, it is also important to keep expectations in check.  It really is only a single day and is not worth going into debt over.  There are plenty of experiences and material possessions that can make the season and day special without sacrificing your personal financial goals for the year. Set a Budget This may seem obvious, but if you don't set a budget you will definitely spend more than you want to.  I like to set a budget for the total amount as well as a value for each person on my list.  More likely than not, you spend for the same people every year.  Therefore, make a list of the people you buy presents for...