What Stresses You During the Holidays?

Carol Riggles • November 29, 2021

What Stresses You During the Holidays?

For months the news has been filled with supply chain problems and recommendations to start your holiday shopping early. We are told there is a long list of problems plaguing the retail sector right now, including labor shortages, lack of inventory and eager consumers ready to spend, and this holiday shopping season is expected to be stressful and expensive. 


So here we are, in December, and many of us are a bit frantic.  But not all of us, at least not about whether we can find the perfect gifts for the holidays. 


There are many in our community who can’t afford gifts because they can’t afford food, medical care, transportation, and even housing. If you can’t afford your basic needs, holiday shopping is not even a concern. Staying housed, clothed and healthy are what stresses them, and not just during the holiday season, but all year long, often year after year. 


At this time of year, many organizations offer us opportunities to “Adopt a Family” and to provide gifts on the family’s wish list.  For families who have to make decisions about paying bills, keeping the heat on, or getting food on the table, these programs can offer families a way to keep their children’s lives a bit more normal.  Kids can go back to school after winter break and show off their new clothes, just like the other children. 


But the benefits are short-lived because after the holiday gift-giving season, these families are still faced with the overwhelming decisions of paying for food or paying for electricity, and this worry continues all year round. 


During the holidays many of us take time to reflect on what brings us joy - family and friends, laughter and love, health and stability. We would like you to consider another form of joy - helping others with passion. 


Passion should be the foundation for helping others. It is not how much you give, but how much love you put into giving. It is only natural that some of you will care about this cause and not so much about that cause, and that’s okay. It is not simply a matter of doing the right thing, but also a matter of choosing a cause that matters to you. 



Helping others may just be the secret to living a life that is not only happier but also healthier, wealthier, more productive, and meaningful.  The key is to find the approach that fits. When we do, the more we give, the more we stand to gain in purpose, meaning and happiness - things we all stress about finding in our lives, but seldom do. 


By Jodie Ostoich September 8, 2025
Maryland and Frederick County: A Growing Housing Affordability Crisis Each year around this time, I share data that highlights the growing challenge of housing affordability in Maryland—and this year is no exception. Maryland now ranks as the 8th most expensive state in terms of wages needed to afford a modest two-bedroom apartment. A worker must earn $39.15 per hour —or nearly $81,450 annually —just to meet that threshold. Unfortunately, the situation in Frederick County is even more severe. Alongside Calvert and Charles counties, Frederick tops the list, requiring a staggering $44.50 per hour —equivalent to $92,560 annually —to afford a two-bedroom apartment.  Meanwhile, the average renter in Frederick earns just $18.25 per hour , which translates to an affordable rent of only $949 per month —far below what the market demands. This stark disparity is exactly why the mission of Interfaith Housing Alliance (IHA) is so critical. We are committed to addressing these inequities and advocating for solutions that make safe, stable housing accessible to all. Below, you’ll find the 2025 data from the National Low Income Housing Coalition , detailing housing affordability across Maryland and its counties.
By Rachel Gardner September 8, 2025
Interfaith Housing Alliance (IHA) is proud to announce two funding awards received this quarter from community partners. In July 2025, IHA received a $3,500 grant from The Croteau Family Charitable Gift Fund, which is a donor-advised fund (DAF) held at T. Rowe Price Charitable. IHA also received a $5,000 grant from The Natelli Communities Charitable Fund of The Community Foundation of Frederick County. These unrestricted funds will support all of IHA’s endeavors in strengthening the many communities we serve.
By Lacy Allen September 8, 2025
Money can sometimes feel overwhelming—but it doesn’t have to! This October, Interfaith Housing Alliance is offering our next Financial Freedom Bootcamp, a free, two-part workshop designed to help you take positive steps toward financial stability and confidence.  The bootcamp kicks off with an in-person workshop on October 15th from 5:30–7:00pm, where participants will explore the building blocks of financial health. You’ll learn how to create a budget that actually works for your lifestyle, discover the best practices for saving, and walk away with strategies for reducing debt in realistic and manageable ways. After the first session, participants are invited to take part in an optional virtual Credit Café, a supportive space to dive deeper into questions about credit and money management. This extra resource helps reinforce what you’ve learned and gives you the chance to connect with others working toward similar goals. The second workshop will be held virtually on October 29th from 5:30–7:00pm, making it convenient to join from home. This session will focus on building confidence when communicating with creditors, understanding your credit, and setting SMART goals to stay on track for the future. Together, these two sessions provide practical, easy-to-use tools to support your financial journey. No matter where you are starting from—whether you’re new to budgeting, trying to rebuild your credit, or just looking for ways to feel more in control—Financial Freedom Bootcamp is a welcoming and encouraging place to begin. At a Glance What : Financial Freedom Bootcamp – free, two-part workshop series When: October 15th (in-person) & October 29th (virtual), both 5:30–7:00pm Topics: Budgeting, saving, debt reduction, credit confidence, SMART goal setting Extras: Optional virtual Credit Café between sessions Register: Contact Lacy Allen at lames@interfaithhousing.org or 301-662-4425 ext. 1203
Show More