The countdown to the holidays is on, and with it the promise of food, family and celebration. Yet it’s also the time of year when spending hits a peak, creating stress for those who haven’t budgeted for the season.

“In recent decades, the holidays have lost some of their sparkle, replaced with anxiety about setting the perfect table, selecting the perfect gift, and coming up with the money to do it,” said Amy Maliga, a personal finance consultant for Take Charge America, a national nonprofit credit counseling and debt management agency.

“It’s hard to enjoy the season when financial worries are constantly nagging at you, but there are plenty of ways to celebrate on a budget and make the season even more meaningful.”

Maliga offers some tips for creative gift-giving this season:

Make a pact: Your loved ones may have similar concerns about overspending. Set a spending limit, draw names, or even skip gifts in favor of handwritten letters or cards. Your loved ones will be grateful, and relieved.

Capture the moments: Photo gifts are lovely, memorable and inexpensive. Pick from any number of online services to create photo books, calendars and mugs, and watch for promo codes: These merchants offer deep discounts in December.

DIY: ’Tis the season for crafting and creativity. Search the Web for inspiration for homemade ornaments, décor, beauty products and 1,001 Mason jar gifts. Parents of small children, frame your kids’ artwork for family members.

Share a read: Book lovers are always searching for their next great read. Select your favorites and inscribe the cover with a personal message.

Give the gift of you: Do you have a flair for organizing, or fixing things? Package your skills as promises of future work.

For more ideas, visit www.takechargeamerica.org, or call (888) 822-9193.