I know that most of us would rather not think about the holiday shopping season just yet, however taking some time to educate yourself now will help you have a successful holiday without going into debt.

Here are 10 things to do now to avoid holiday debt later.

1. SELL YOUR STUFF.

While spring may be synonymous with cleaning, fall is also a good time to declutter and sell anything you no longer want especially since you can stash the earning away for gift shopping.

2. TRACK FLIGHTS.

If you’re flying over the holidays, it’s wise to start looking into flights now. This will help you pinpoint the cheapest dates to fly and lock in your time-off request early.

3. BUY DISCOUNT GIFT CARDS.

Gift cards can actually save you money when you buy them at a discount. Websites like GiftCardGranny.com have thousands of gift cards to popular retailers, with savings like 25-percent.

4. ELIMINATE EXCESS SPENDING.

Whether it’s weekly takeout, weekend spa appointments or too many morning lattes, there is always room in your budget to cut back and boost your holiday savings.

5. STASH YOUR SAVINGS.

Whenever you skip a spending opportunity, put what you would have paid into a savings account specifically for your holiday shopping budget.

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