IF YOU'RE LIKE MORE THAN 50 PERCENT OF PEOPLE– YOU'VE ALREADY STARTED BUYING GIFTS FOR THE HOLIDAY SEASON.

WHILE IT SOUNDS EARLY, STARTING NOW IS A GOOD THING.

ESPECIALLY IF YOU'RE TRYING TO SPREAD OUT THAT CREDIT CARD DEBT.

JENNA JAYNES JOINS US NOW WITH HOW TO BUDGET YOUR GIFTS WISELY– SO YOUR JANUARY BILL ISN'T SO SCARY.

DAVE, JORDAN THOSE CREDIT CARDS WILL BE BUSY VERY SOON– ESPECIALLY SINCE ONLINE SHOPPING IS EXPECTED TO GO UP ALMOST 20 PERCENT THIS YEAR! SO THE BIGGEST THING I'M TOLD TO REMEMBER IS THAT CREDIT CARD ISN'T EXTRA INCOME.

IT'S A LOAN.

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MANY PEOPLE THINK THIS LITTLE PIECE OF PLASTIC GIVES THEM AN EXTRA FEW HUNDRED DOLLARS EVERY MONTH ON THEIR SALARY– BUT THAT JUST ISN'T IT.

SO WHEN YOU'RE PLANNING FOR THE HOLIDAYS– BE REALISTIC.

09:27 MAKE SURE YOU HAVE ENOUGH BUDGETED FOR CHRISTMAS SHOPPING AND THE BEST PLACE TO START IS MAKE A LIST AND CHECK IT TWICE.

WHO DO I NEED TO SHOP FOR? WHAT DO I NEED TO BUY FOR THEM? IT ALL GOES BACK TO THAT BUDGET ON THAT LIST, PUT WHO TO SHOP FOR, HOW MUCH YOU'LL PLAN TO SPEND ON EACH PERSON, AND THEN AS YOU ACCOMPLISH YOUR LIST– HOW MUCH YOU ACTUALLY SPENT.

THIS WAY– IF YOU SPEND MORE ON ONE PERSON, YOU CAN SCALE BACK ANOTHER.

AND DAVE, JORDAN IF YOU'VE GOT A TIGHT BUDGET THIS YEAR– TALK TO YOUR FRIENDS OR FAMILY ABOUT LIMITING GIFTS THIS YEAR.

DO A SECRET SANTA, WHITE ELEPHANT, OR GRAB BAG, RATHER THAN BUYING GIFTS FOR EVERYONE.

THAT MAY SOUND ABSOLUTELY IMPOSSIBLE WITH SOME OF YOUR TRUE FRIENDS WANT YOU TO STAY ABOVE WATER RATHER THAN DROWN IN DEBT.