The Holidays are an interesting time. There is an expectation to spend time with family and friends, to be joyous and celebratory. And for some we are genuinely just that; excited, joyous and full of the celebratory spirit! And for many others the holidays are a mixed bag, or perhaps an even particularly hard time. Family dynamics can be stressful, gift giving and even receiving can bring up emotional as well as financial stress, reminders of those no longer with us can bring