5 Tips to Avoid Massive Christmas Debt 1. Make a budget
and stick with it A budget is helpful in many facets of life. Christmas is no different. 2. Don't forget to
budget hidden costs Things like holiday travel, Christmas parties
or children's activities are easy to overlook,
but are an important part of the budget. 3. Don't buy everything
with credit cards If you don't have the money to pay it back immediately, it's not worth it. Your friends and family don't want you to get into trouble. 4. Plan ahead Some ideas include making and freezing food
you would usually buy ready-made, or you could even start saving
now for next year's Christmas
to lighten the burden. 5. If you do overspend,
don't freak out Just go back to the basics to set a budget
that will get you back on track. Don't ignore it
or put it off. Take care of it sooner than later.
