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Avoid the holiday debt hangover by planning ahead.

Last holiday season, Americans gave themselves a gift: More than $1,000 in debt. On average, that’s how much we overspent on gifts, meals, decorations, and all other holiday items. As the new holiday season approaches, some of us are still paying off last season’s spending.

Even worse, has previously reported that only half of Americans budget their holiday spending — and two-thirds of those overspend it, anyway.

Here’s how to plan now and avoid another holiday debt hangover…

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Joe Pye

Joe Pye

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Pye is the associate editor of

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