Who buy the presents？How much should we spend？Questions about money like these （50）___ during the holidays，and they can turn this wonderful season into the most （51）___ time of the year．

The （52）___cause of holiday stress is money issues，according to a recent poll by the American Psychological Association （APA）．The survey found that 61percent of Americans （53）___ lack of money as the top cause of family tensions，holiday blues and depression．

"People believe that they can go out and buy gifts because it's the holidays，（54）___they can't afford to do so，"says Dorothy Cantor，a noted psychologist and former APA president．"Not only is it stressful to feel that you have to buy everyone an expensive gift，but you will also be stressed for the rest of the year trying to pay your （55）___．You can show love and caring by giving something that you know is meaningful and （56）___that doesn't have to cost a lot．"

While managing money issues during the holiday season can be a （57）___，financial experts agree that you can （58）___ pressure by planning ahead，exhibiting patience and managing expectations to make the holiday season enjoyable and worry-free．

For starters，make an agreement with family members to discuss holiday spending and finances before you make any （59）___．The goal here is to learn one another's thoughts and feelings about priorities and wishes．Be realistic，decide together on a budget and only use cash，rather than using credit cards．Avoid getting （60）___unreasonable expectations．It makes no（61）___to buy gifts you can not afford and put additional financial and emotional stress on yourself and your family that will cause problems long after the holidays are over．

Other ways to（62）___ the burden of money-related holiday blues include an understanding that everyone faces money problems at one time or another．It's important to keep your （63）___ situation in perspective，to learn from experience and then t