NEW YORK (AP) — Are you feeling overwhelmed by the pressure to spend money on gifts, parties, and travel this holiday season?

The job market is tough , student loan and credit card debt are rising, and prices for many items remain high due to inflation . If you’re feeling financially strained, know that you’re not the only one feeling that way, said Lindsay Bryan-Podvin, a financial therapist and host of the Mind Money Balance podcast.

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