Need to budget this holiday season? We have a few tips:

• To stop advertisers from preying on your emotions, make a rule for yourself: If a product is suggested to you by an online ad, don’t buy it.
• Plan now to spend what you can realistically afford without dipping into your savings, rent money, or creating credit card debt. (It’s not worth it.)
• To stick to your budget, just imagine the difference between starting 2021 debt free versus being under a pile of debt.
• Another option is to skip gifts altogether this year and start a new tradition, like a white elephant or a secret Santa exchange.