Long lines at the malls, the taste of ham, and children singing in the streets is a sign that Christmas season is here. You must be excited to go on a stress-free winter vacation with your loved ones. And can’t forget your gifts! However, along with the cheers of the yuletide is a type of anarchy so huge that it jeopardizes the enjoyment of the season.

Yes, you are right if you are thinking about the long queues at banks, malls, and all the other stores you shop. This time of the year is the perfect time to shop online and utilize those credit cards in your wallets. The risk of going overboard is higher now than any other time of year.

Below are some tips to avoid having a landslide of bills from your credit card:

Plan In Advance

Everyone knows that the month of December is a time of meticulous shopping, including the wise shop owners inside the malls. They will attempt to attract you with discounts, bundled items, and even free items with purchase. This is the first obstacle you must conquer. To avoid this, make saving a habit, then set a specific budget, create a shopping list, and the most important thing of all, stick to your budget and list. Write down the names of the people you are giving gifts to and set a particular limit for each of them. This will eventually help you avoid that “50% off” poster outside your favorite store.
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