The average American shopper accumulates more than $1,000 in credit card debt during the holiday shopping season. For a person already struggling to make ends meet, this additional financial burden can make life even more difficult. Fortunately, there are some ways you can spend smartly this holiday season and avoid racking up even more credit card debt. Here are a few tips to help you prepare.

3 Ways to Spend Wisely on Holiday Gifts

1. Set Boundaries Beforehand

Santa shouldn't be the only one making a list and checking it twice this holiday season. Before going out shopping, write down the names of all the people you have to shop for. Then assign a dollar amount that you can comfortably afford to spend on each one. In general, the shorter you can make your list, the better. What this simple act does is set some limits and boundaries around your holiday spending.

The tough part is sticking to it, of course, as everyone knows the joy of gift-giving. But your loved ones will understand why you’re keeping your eye on the prize: fewer bills and less credit card debt after the holidays.

2. Pay With Cash Wherever & Whenever Possible

In our increasingly technological world, it's become easier than ever to swipe a card or tap a smartphone to pay for purchases. What's not easy, however, is managing the credit card debt and interest rates that come after. To avoid this temptation, leave the cards at home and stop by the ATM or bank before shopping. Withdraw however much cash is needed to cover the people on your list. This way, you'll stay on task and won't overspend.

3. Be Creative

Nice, memorable gifts don't need to cost a fortune. Never be afraid to get creative with your gift-giving. If you're an artsy person, put your skills to good use by drawing or painting a picture, knitting a scarf, or baking a batch of holiday cookies—all of these make excellent gifts. When shopping, think outside the box and go for more inexpensive items. Some suggestions: a tasteful picture frame with a photo meaningful to the recipient; an affordable, decent bottle of wine; a funky tchotchke or conversation piece; or candles, incense burners, or essential oil diffusers. People love to receive these types of presents.

With the right game plan, you can put more emphasis on family, friendship, and togetherness this holiday season. Removing financial stress does more than cut back on credit card debt—it reminds everyone that there are more important things than price tags.

The above tips can help you get credit card debt under control while still enjoying the holidays. If at any point your bills become unmanageable, it may be time to explore your debt relief options. Brian R. Cahn & Associates, LLC is here to help. For over 20 years, they’ve been helping Bartow County and all of northwest Georgia through the processes of Chapter 7 and Chapter 13 bankruptcy. Call (770) 382-8900 or visit them online to schedule a free debt consolidation consultation today.