Budget for the Holidays Now So You Don't Go Into Debt for Them Later

Last year, Americans spent an average of $830 on Christmas--not exactly chump change. With about ten weeks left until the big day, the good news is that there's still plenty of time to plan ahead. Here's how to budget ahead of time so you can pay for everything up front and give yourself the greatest gift of all--not having debt hanging over your head as you head into the new year.