It might seem a bit early to be thinking about the holidays, but in reality, now is the best time to get a head start on holiday debt prevention. Here’s how you can enjoy a debt-free holiday and avoid carrying debt into the new year: 💵 Look at your finances to see how much you have and how much you can spend during the holidays. 📊 Set a holiday budget and break it down into categories like gifts, decorations, travel, food, and entertainment. 🎁 Make a list of everyone you plan on buying gifts