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