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"For years, we've told children, \"You better watch out. You better not cry. You better not pout. I'm telling you why.\" But then come January/February, it's we adults doing the crying and the pouting. We've overspent on the holidays, spending money we don't have on things that aren't needed or even wanted.Tony Rasmussen, VP Financial Education for Mountain America Credit Union, says this simple formula can transform the way we think about giving and spending during the holidays: \"Memories & Themes over Money & Things.\" He offers these three tips:Research shows there's a high correlation between happiness and spending when memories are created. The best gifts create memories and don't have to be expensive. Agreeing upon a theme for gift-giving can set expectations and makes it OK and \"gives permission\" to spend little. Be creative and choose things like fun t-shirts and favorite foods as gifts. You'll create lasting, fun memories, and your bank account will thank you. Finally, helping others is a great way to feel even better during the holidays. Choose a budget-friendly amount and help someone in need or donate to a good cause of your choosing. You'll create wonderful, long-lasting memories for both you and the recipient(s). To get more great financial success tips and ideas, visit the Financial Guidance Hub on macu.com."
<https://www.fox13now.com/the-place/this-simple-formula-can-transform-the-way-we-think-about-giving-and-spending-during-the-holidays>