The holidays can be a stressful time, but the TS Institute says you can reduce some of that worry with a budget.

Connie Unruh with the TS Institute indicates a good way to plan for holiday shopping is by opening a Christmas account at your local bank.

Unruh notes thrift stores are also good options to save money on Christmas gifts. She says there are many different ways to obtain gifts from brick and mortar resale stores to online marketplaces.

Unruh says with budgeting it all comes down to how much money is coming in and then assigning it to where you want it to go.