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With unemployment at historic lows, rising wages and consumer confidence have hit an 18-year-high. Consumers are understandably in good cheer and ready to go out and spend this holiday season.

'Black Friday' Marks Start Of Holiday Shopping Season

Michael Nagle

But for you, the thrill of the deal can quickly turn in to despair over the debt if you go overboard with your holiday gift giving.

Smiling black woman online shopping using computer and credit card

ljubaphoto

If there’s one thing that I hope people ask for, and get, this Christmas, it’s discipline. All the budgeting “tips and tricks” in the world won’t help you if you can’t control yourself. Yet, relying on willpower alone won’t be enough to get the job done. You need a system. For someone who is going through a similar situation, the following tips are invaluable. Click the link below for the full spill.

How To Stop Overspending During The Holidays

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