Now that you have a better financial handle for this year, pay it forward and plan in January for the next shopping season. This means taking a look at what you spent this year and start putting money away. It Set up a separate checking account and make regular deposits. Even as much as $10 per week will add up nicely. And this way, you won’t feel the financial pressure during the holidays and you will have NO bill in January. Imagine that as you pull that credit card out this year.