2. Budget and Save: Review your gift list and calculate how much you plan to spend on gifts. Divide the total by the amount of income you will receive between now and when the holiday shopping season begins. It is also a good idea to set aside additional money to be used for food and entertainment during the festive season.

3. Avoid unplanned or impulsive shopping: When visiting malls or markets, the amazing discounts may sometimes tempt you to buy products that seem great but have little utility or gifting value. In all such situations, only buy what you need and forgo what you want. Needs, not wants, must be your overriding motto every time you want to make a purchase.
4. Choose your spending mode wisely: Do not be tempted into thinking you can use all your available funds credit cards to get through this festive season. While there may be many irresistible deals, remember that you could overshoot your budget within days. What's more, credit card spending attracts very high-interest rates if not cleared within the upcoming billing cycle. Accordingly, avoid using credit cards wherever possible. Instead, check for debit card payment offers that will limit the scope of running up unplanned debt. ..