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Ah, the holiday season! Turkey and dressing, pumpkin pie, Santa hats, jingle bells, and lots and lots of eggnog make the season a delight. But all fun and reindeer games aside, you have to be careful to make sure you don’t wind up as poor as Tiny Tim! Americans can spend as much as $1,000 a year on gifts for family and friends. That is a big chunk of money that can hit you pretty hard come January, but only if you don’t plan ahead. There are some tips and tricks you can do to keep your holidays bright and debt-free this year.

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