Stick to it.

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The easiest way to overspend during the holidays is when impulse buying takes over. Plan the list, plan your budget, then stick to it. Make a deal with yourself that after you have bought a gift for everyone on the list, you can to go back and buy yourself something for sticking to the list. Buying only what you planned will keep your mind aware of your money and save yourself the shock of a devastating January bill.

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