NEW YORK — If you were aghast at how much you spent on holiday gifts when the credit card bills arrived last January, now is the time to start thinking about how to avoid a repeat performance. Even though it feels painfully early to start thinking about the holidays, starting now will give you plenty of time to budget, build a shopping fund and do a little early shopping so after New Years you’ll hardly have a bill to pay. Trae Bodge, Smart Shopping Expert for Gift Card Granny, shares tactics for what we should be doing now to avoid debt later.


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