If the thought "I'm going to be smart about my holiday spending" has not translated into the act of spending less, then the following links offer hope for a more frugal holiday season:

• Acting like a Scrooge: Dr. Judith Rich of The Huffington Post offers ideas for going gift-free.
• Using a Budget: Ideas for staying within your holiday budget.
• Creating Frugal Traditions: How to create money-saving and meaningful holiday traditions.
• Thinking Before Spending: Three simple tips for smarter holiday spending.