15 Things Every Smart Holiday Shopper Knows

Avoid using a credit card when you can

It’s easy to get carried away when holiday shopping and just put everything on your credit card, but that’s not a trap you want to fall into.

Don’t spend money you don’t have and risk hurting your credit score unless you’re sure you’ll be able to pay off the card at the end of the month. Otherwise, try to pay with debit or cash when you can.