If you are feeling a little less “ho-ho-ho” and a little more “bah humbug” this year, you aren’t alone. The recent government shutdown, which mercifully ended on Nov. 12, left many households tightening budgets amid lingering uncertainty, making this holiday season feel particularly fragile. Money is tight, uncertainty is high, and for many of us, the idea of a lavish Christmas feels irresponsible, if not impossible.