1. Create a spending plan and commit to a spending limit. If you don’t set a specific dollar limit for holiday gifts, then your spending may grow out of control.
  2. Make a list of recipients and decide how much you are going to spend for each person.
  3. Shop with your list. It will help you stay on track and avoid impulse spending.
  4. Use cash instead of credit cards. When the money is gone, you will be forced to stop shopping.
  5. Comparison shop and use coupons.