5 Tips to Avoid Massive Christmas Debt 1. Make a budget br and stick with it A budget is helpful in many facets of life. Christmas is no different. 2. Don't forget to br budget hidden costs Things like holiday travel, Christmas parties br or children's activities are easy to overlook, br but are an important part of the budget. 3. Don't buy everything br with credit cards If you don't have the money to pay it back immediately, it's not worth it. Your friends and family don't want you to get into trouble. 4. Plan ahead Some ideas include making and freezing food br you would usually buy ready-made, or you could even start saving br now for next year's Christmas br to lighten the burden. 5. If you do overspend, br don't freak out Just go back to the basics to set a budget br that will get you back on track. Don't ignore it br or put it off. Take care of it sooner than later.