Ho, Ho, Holy Cow! It’s time for holiday shopping again! As retailers, emails, websites and TV commercials make you feel pressured to spend, resist the urge to splurge.  

Check out the Center for a New American Dream’s fabulous FREE: Simplify the Holidays booklet. This 20 page resource includes ideas for gifts, budgeting, minimizing waste, connecting with children, simple entertainment, remember elders and more. Visit www.newdream.org.