The key to not overspending on the holidays is discipline, says Mercadien’s Ken Kamen.

The holidays are right around the corner. It’s time to start making those gift shopping lists and figuring out how much money to spend on each person without breaking the bank.

A new survey from LendingTree found that the stress levels are so high, that about a quarter of consumers (24%) say they are losing sleep worrying about how to pay for the holiday season.

The key to not overspending for the holidays is discipline, said Ken Kamen, president of Mercadien Asset Management in Hamilton.

Read More: Don’t stress over holidays: How to not overspend, stay on budget |