(BPT) - The holiday season is often a time of joy where gatherings, gifts and gratitude are plentiful. While decking the halls, shopping, and sending love to friends and family are big parts of the holidays, they also can place a strain on your personal finances. This is especially true in the current economy, given the increasing costs of goods and supplies. Fortunately, with a few simple steps you can create and stick to a budget that lets you enjoy the best of the season.

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