Holiday shopping is upon us whether we’re ready or not. Here are some tips to help reduce stress and give you more time to relax and enjoy this time of year.

1. MAKE A LIST – On your list, put the name, a spending target and some notes about their interests that might help you find just the right gift. Having a list will help you stay on track with your spending plan and give you a sense of achievement as you check each name off.

2. USE CREDIT WISELY– It’s okay to charge gifts to your credit card so you can accumulate valuable points, but be sure to pay it off in full when you get the bill. With interest rates on credit cards reaching 30% or more, the cost of carrying a balance is more than ever.

3. THINK OF ALTERNATIVE GIFTS BEYOND THE TRADITIONAL – Consider a gift that will make a deposit in someone’s memory bank. For the music lover, get concert tickets and make a night of it. For the artist, find a unique exhibit at your local museum and go together. And if money is a little tight this year, give them a handmade gift certificate for a picnic in the park. It truly is the thought that counts.

4. SHOP ALL YEAR LONG IN NONTRADITIONAL LOCATIONS – Charities frequently have fundraising events that include a silent auction with unique items. If you keep your gift list in mind, you can find amazing gifts at great prices and help the charity at the same time! Maybe instead of giving that guy in your life the V-neck cashmere sweater you think he “needs,” you can get a dozen golf balls and a lesson with the local pro at that charity auction, which is something he “wants.”

5. SHOP AND FINISH EARLY – The holidays are so busy that it’s easy to put off shopping for gifts until the last minute. This is a recipe for disaster. When you make a list and shop early you can avoid overspending and enjoy the holidays with one less stress.

In the end – remember -- it really is the thought that counts.