You’ve set your holiday budget (bravo to you!). But then you’re tempted by all things festive, and before you know it, you find yourself in a whirlwind of tinsel and overspending. It happens to us all, but you don’t have to get caught in this trap. You just need to be aware of what’s coming and have a plan to stand against it. Here are four super common holiday budget busters and a game plan for how you can stop them in their tracks.

Americans plan to spend $997.79 on holiday purchases for themselves and their families this year. That’s down from last year’s $1,048, but it’s still a big chunk of change.1

Is that all on presents under the tree? Nope—here’s a breakdown:

Gifts: $650
Food and decorations: $230
Other holiday purchases: $117

Yeah, Christmas can get expensive. But remember: Those are averages based on what the average American plans to spend.

‘Twas the night before Christmas, and all through that day, the adults kept on swearing, “It shouldn’t be this way! We shouldn’t be so flustered—we hate all the hoopla!” Then they stress ate the cookies the kids made for Santa.

Most of us can relate to this story. Christmas stress denies us the true joys of the season. But no more! It’s time to say “Bah! Humbug!” to holiday hassles and actually enjoy Christmas this year.

Try out these 10 money tips to prevent Christmas stress.

Bills. They’re probably the least exciting part of being an adult. And there’s no avoiding them: You’ve got to eat, have shelter, and get from here to there, after all. But as the bills pile up, they can become less of an annoyance and more of a threat. You may find yourself questioning if you’ll ever get ahead—or if you can even cover this month’s bills.

Hey. Whether you just want some tips on how to lower your bills so you can have more money in savings or you’re at your wit’s end under a pile of payments you’re worried you’ll never get on top of, you’ve come to the right place. Here are some ways to lower your bills, both right now and in the long run.

Did you know Americans spent $730.2 billion last holiday season?1 And retailers expect shoppers to spend even more this year, despite the pandemic.2 That’s a lot of photo cards, candy canes, Michael Bublé CDs, Santa hats and sparkly ornaments. But unless you plan on skipping Christmas this year, you’ll find yourself a part of that $730 billion machine.

To enjoy the gift-giving season without any guilt-ridden overspending, set up your Christmas budget now—and then stick to it like sap on a fir tree. Here’s how.