Have you been spending too much money on your holiday shopping? Need some tips on where you can save? Connie Unruh who is the Finacial Literacy Coordinator with TS Institute has some tips to help you survive the Christmas season financially.

One tip is setting a realistic budget, it's not just Christmas presents with your family says, Unruh.

One way for setting that budget is putting money into separate savings account that you use as only Christmas money. Banks will sometimes have Christmas accounts holding the money you put in till the holiday season says, Unruh.

Another way to help relieve some pressure of the holiday spending if you are hosting family dinners, you can turn the dinner into a potluck says Unruh.

Another way to help save money is to think about who you buy gifts. If you have to set a budget and can't buy everyone a gift it doesn't make you a Scrooge, just a smart money spending person says Unruh.

If you have questions on how to save some money or want more information you can go to tsinstitutue.org or call Connie Unruh.