Holidays are rapidly approaching, and for many of us, this means that we have to start digging our favorite decorations out of storage, stringing the lights, but also preparing for family gatherings.

For others, Christmas is nothing but a stressful time when they have to make the most difficult financial decisions, in order to give their families the holiday they deserve.

If you feel like you’re in between these two poles, between saving for retirement and giving your kids the best Christmas, you aren’t alone! However, there are many things that can be done, and here’s what you need to know: