How to Shop for the Holidays Without Going into the Red

Whether you use credit cards, a debit card, or cash, it’s easy to overspend during the holidays.  Consumers are constantly bombarded by advertising this time of year and feel pressured to meet their families’ or friends’ expectations.  There are so many ways to spend -- on gifts, entertainment, decorations, travel, and shipping.  Consumers often don’t realize how much they’ve spent until they’ve gone too far.