While the season of holiday joy is here, it can also bring a lot of financial stress. 

Connie Miller with the DeWitt Savings Bank indicates that many Americans take on debt during this season to fulfill their loved ones' holiday wishes. She says that overspending on presents or decorations can cost you in the long run. 

It is easy to accidentally overspend on surprise meals or that extra-expensive gift, but Miller says if we slip in one place, then it is important to make up for it in another. 

Keeping a record of the gifts each of your loved ones is receiving from you is a great way to not over-buy and plan for how much you want to spend. Homemade or DIY gifts are also a great way to give a memorable gift, as long as the materials don't get too expensive. 

According to Miller, Christmas decor is another expensive item to avoid. While fresh trees are great for bringing holiday smells to your home, a reusable tree will keep you from buying a new tree each year.  

While crafting and making your own gifts or decor can be intimidating, the internet is always your friend when it comes to tutorials and instructions. We'll have more with Miller in the days ahead from the Hart Media Group on thrift stores and the hidden gems you can find in them.