Some people feel better during the stress-filled holidays than others, and part of that feeling of well being can be attributed to being able to stick to a reasonable budget, says, an educational and research source on the economy and consumers.

It helps to live in an area where it is easier to make ends meet and where the environment is budget-friendly. To find out where these areas are and where people manage their money the best, WalletHub rated 150 cities in the United States on 12 economic and financial livability criteria.

Factors taken into consideration include credit scores, home ownership rates, foreclosure rates, the availability of affordable housing, median household incomes, average commuting time and ranking on the Gallup Well-Being Index, which includes the healthiness of the population. Following are the cities in reverse order where financial stress probably is lower and a few reasons why each ranked well.

No. 10

Austin, Texas

Austin ranked third for lowest foreclosure rates and fifth on the Gallup Wellbeing Index.