Tips to not overspend this holiday

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By Jim Carr By Jim Carr

PHOENIX -- If you're already in financial trouble, you don't want to make things worse by overspending this Christmas. So consumer experts say you have to set a budget. Figure out how much you can afford and then divide that amount by how many people you're buying for. That will keep you from overspending.
 
Tip number two is to shop online. It makes comparison shopping a breeze. In fact, Amazon.com just launched a Black Friday Special where deals are already posted early. Another website to check out is BlackFriday.Info. It's the official website for all Black Friday ads as they're announced.
 
While you're on the internet, go to Facebook and "like" the retailers who are expected to release deals this season. Same thing goes for Twitter, where retailers will release bargains to those who follow them.
 
Looking for other ways to save money? Don't eat out. Five dollars a day for lunch can really add up. So just take that five bucks every day and set it aside. It will accumulate pretty quickly.
 
Finally, stop shopping when you reach your limit. Going over our budget is what you don't want to do.