For starters, the economy stinks. The world is in financial turmoil, the U.S. is in a recession, 47 million Americans are without health insurance, the housing market has crumbled, the stock market is tanking, domestic automakers are on the verge of bankruptcy, unemployment rates are at 14-year highs and the credit bailout is adding to an already astronomical national debt.

Clearly, times are tough. But what does all this mean for the folks on Main Street?

Hard times. Even when the economy is thriving, many families struggle during the holidays, so how will they manage this year? How are families going to heat their homes? How can parents afford presents for their kids if they're struggling to pay the mortgage? Grandpa wants the family in for a visit this year, but can they afford airfare?

Financial trouble isn't the only reason Americans are tearing their hair out: lofty social expectations during the holidays can be just as nerve-racking.

Spending time with family is supposed to be a joyful occasion, but let's face it: some family members are downright irritating. Even though you'd love nothing more than to tell off your meddling, overbearing mother-in-law, you can't--it's the holidays. When she criticizes your cooking ("this turkey's too dry, and the potatoes are lumpy") or parenting skills ("you let the boys wear shoes in the house?"), you have to sit back and take it. And that's enough to drive anyone up the wall.

If you're waxing wroth due to stress this holiday season, don't freak out. Here are a few exercises to help you cope:

• Breathe deeply--it's the fastest way to stop the body's response to stress. This relaxation technique calms the body, slows the heart rate and provides a feeling of peace.

• Exercise. Working out for just 20 minutes a day can help burn away tension and lessen the negative effects of a stressful day.

• Call a friend. Venting your frustrations is therapeutic, and can put things in perspective.

• Take a mini-vacation. Find a quiet, relaxing place where you can close your eyes and imagine yourself in a wonderful place, like sunbathing on a sunny beach or skiing in the mountains. Breathe deeply and enjoy your getaway.

• Stay positive. Remember that most stress is temporary, especially when it's holiday-related.