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Advice to keep out of debt while holiday shopping

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If you plan on hitting the stores, here are some ways to control your spending and avoid starting the new year in debt.

Track your spending. Devise a system that works best for you, whether it means keeping an envelope of cash or using a debit or credit card.Join loyalty programs to sign up for savings.Purchase gift cards.

If you want to spend a set amount on a person, use a gift card.
 

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