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3. Pay in cash
The easiest way to not go into debt is to use cash instead of credit to buy gifts. You’ll be forced to stick to your budget. When you use a credit card, it’s way too easy to lose track of how much you’ve spent and on who. Plus, an extra $10-$15 here and there go unnoticed but add up quickly. Use the cash budget – you’ll thank yourself in January when you don’t have any Christmas debts to pay.
