“The most wonderful time of the year”?

We dream of Christmas as a season of family, celebration, and worship—but too often we get burdened with stress, busyness, yelling, and overspending.

Cherie Lowe, author of Slaying the Debt Dragon, knows what it’s like to feel frazzled as the holidays draw near. A family of four trying to defeat their debt monster, the Lowe family had to get creative and intentional about keeping the happy in their holidays. These 21 tips—on budgeting, the items you should buy on Black Friday, and much more—will help you save money, time, and your sanity this holiday season. You’ll be able to enjoy the holidays without worry and stress—and celebrate a Christmas filled with wonder and joy. (Includes bonus printables!)