Avoid That Post-Holiday Debt

      When it comes to holiday shopping, retailers are ready, but how about you?{} You may not be feeling the holiday spirit yet, but in many stores, it's beginning to look a lot like Christmas. The experts at and Consumer Reports have some advice to prevent that post-holiday debt:

      • Decide how much you want to spend for the holiday season overall, and then create budgets for those you want to spend on.
      • Shop early when you likely to get the best selection.{} Many retailers will be ordering less inventory so they don't get stuck with leftovers.
      • Be sure to comparison shop at outlets and warehouse clubs.{} They're usually a great source of bargains.

      But don't get too overwhelmed by great bargains. Never forget that there's a consequence.{} It's the 30 day hangover that shows up in January.{} Just make sure that before you spend it, you can afford it.

      Click here for more tips on how to avoid post-holiday debt.