By Beth Kobliner, REDBOOK
A friend recently confessed to me that she's still paying off last year's holiday gift-buying bills! Start saving today so you don't ring in the New Year with a Visa hangover.
1. Budget and don't budge. Figure out exactly how much you can afford to drop on presents without jeopardizing your regular bills. Then, siphon off a little money from each paycheck for the next six weeks so you aren't dipping into your emergency savings or relying on credit to play Secret Santa. Consider stashing the cash in a savings account (watch out for fees!) so you aren't tempted to blow it.
2. Skip Black Friday. The day after Thanksgiving is the gateway to holiday spending sprees. Though you may find some deals, retailers have a dirty little secret: "For a limited time only" or "While supplies last" promotions are classic ways to trick you into buying things you don't need by making you think they're about to sellRead More »from 3 Tricks to Beat Holiday Debt Now