5 Tips to Avoid Massive Christmas Debt 1. Make a budget <br />and stick with it A budget is helpful in many facets of life. Christmas is no different. 2. Don't forget to <br />budget hidden costs Things like holiday travel, Christmas parties <br />or children's activities are easy to overlook, <br />but are an important part of the budget. 3. Don't buy everything <br />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 <br />you would usually buy ready-made, or you could even start saving <br />now for next year's Christmas <br />to lighten the burden. 5. If you do overspend, <br />don't freak out Just go back to the basics to set a budget <br />that will get you back on track. Don't ignore it <br />or put it off. Take care of it sooner than later.
