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Swarovski Christmas Limited Red Tip 2010 HOLIDAY Ornament 1074802 NEW $84.95 Time Remaining: 10d 21h 58m Buy It Now for only: $84.95

	Cuisinart CWT-240 19-by-12-Inch Warming Tray List Price: $145.00 Sale Price: $62.00 You save: $83.00 (57%)
	Description Keep foods at the perfect serving temperature with the Cuisinart Warming Tray%2E Big enough to hold several dishes at once%2C it features elegant styling that enhances the appearance of any table or buffet%2E The glass surface and brushed metal housing are easy to clean and three different heat settings maintain the optimum serving temperature for a wide variety of dishes%2E

	HIC Porcelain Deviled Egg Dish 13-inch List Price: $20.00 Sale Price: $17.95 You save: $2.05 (10%)
	Description Beautiful whitewares are versatile. They go with any décor and they spotlight your culinary creations. When you spend so much time preparing attractive and colorful snacks and dinners don't lose them to pattern and color...

	Spinning Hat Rubik's Cube Coasters List Price: $21.99 Sale Price: $16.99 You save: $5.00 (23%)
	Description Whether you call yourself a kid from the 80's or the 90's, there is no possible way you could have avoided a Rubik's Cube at some point in your life. Even today, this frustratingly addictive iconic toy seems to possess an agelessness that allows it to retain the title of World's most popular toy...

	The Gift List Price: $11.98 Sale Price: $2.99 You save: $8.99 (75%)
	Description Other

	Under The Mistletoe [CD/DVD Combo] [Deluxe Edition] List Price: $19.99 Sale Price: $9.50 You save: $10.49 (52%)
	Description BIEBER JUSTIN UNDER THE MISTLETOE (CD+DVD) (F)

	Celebration List Price: $24.98 Sale Price: $6.76 You save: $18.22 (73%)
	Description MADONNA CELEBRATION (2CD)

	Cars Gift Set (Combo Pack with DVD) [Blu-ray] List Price: $49.99 Sale Price: $21.49 You save: $28.50 (57%)
	Description Features include: •MPAA Rating: G•Format: Blu-Ray•Runtime: 116 minutes

	Star Wars - Episode I, The Phantom Menace (Widescreen Edition Boxed Set) [VHS] List Price: $39.98 Sale Price: $3.98 You save: $36.00 (90%)
	Description "I have a bad feeling about this," says the young Obi-Wan Kenobi (played by Ewan McGregor) in Star Wars: Episode I, The Phantom Menace as he steps off a spaceship and into the most anticipated cinematic event...

	The Honeymooners Holiday Classics 1953 Special Limited Edition [VHS] List Price: $29.98 Sale Price: $3.91 You save: $26.07 (87%)

	Spyderco BaliYo Butterfly Pen Flipper (Pink/Orange) List Price: $34.95 Sale Price: $26.03 You save: $8.92 (26%)
	Description BaliYo Red & Orange Made in USA

Seven Ways to Avoid Holiday Debt

According to Cardweb.com, Americans spend an average of $700 per household for Holiday gifts. If you are one of those people who end up spending more than they can afford, read these tips to make this Holiday season a debt-free one.

1. Set Spending Limits

Make a budget and then stick to it. If you can only afford to spend $100 in gifts this year, then find a way to make that money count. "Develop a spending limit for each person on the list," says Steve Blankenship, a Certified Financial Planner professional and principal of Heritage Financial Planning. "Stick to your limit! No matter how much your grandson would love the latest and greatest Xbox game, keep in mind that you will have to climb as high financially as the hole you dig for yourself."

2. Make a List

Know what and who you're buying for before you hit the stores. While it's not ideal to be preset on something, do have an idea in mind. Does your sister love writing? Plan on a diary or a fine pen. Has your best friend taken up painting? Get her a new set of brushes or an easel. A well-thought gift will be much more appreciated than an expensive trinket they can't use. Keep track of what gifts have been already purchased to avoid duplicates.

3. Get Crafty

While not everybody in your list will appreciate a batch of homemade cookies, some definitively will. You don't have to be especially talented to make homemade presents. Think a coffee-themed gift basket for a java lover or a gift certificate for babysitting for a friend that desperately needs some me-time. If you do have a talent, put it to good use, Can you hand-craft soap? Do you know how to make your own potpourri? Do you have a secret recipe for chocolate chip cookies that everybody loves? Think outside of the box.

4. Know when to Stop

According to Freedom Financial Network, LLC, it's important to know how to quit -- "When you hit your budget limits, stop. If you need hard-core support to keep yourself in check, leave credit cards at home and put each person's budget in an envelope, in cash. When it's gone, it's gone, and you're done." Do your children really need 10 gifts each? Do you need six new glass ornaments? Establish your priorities well in advance.

5. Stick to Cash

"If you really want to take control of your spending this year, forget credit cards altogether," says Blankenship. "Studies have shown that consumers spend significantly more when they use credit cards than if they had used cash. It is easier to see your wallet's cash supply dwindling than it is to see credit card bills mounting."

6. Look For Free Gifts

If you truly have no money to spend, there are many things you can give that can't be bought at the local stores. Take somebody to a free church or university concert, offer to baby-sit for a busy mom or cook for an elderly family member, or make a memory book with an inexpensive photo album. Remember, thoughtful gifts are worth a fortune.

7. Push Your Focus Away From Spending

"While gifts are wonderful to give and receive, we have allowed them to become the focus instead of simply another part of the celebration," says Heidi Wanken, founder of Shopping Holiday, a group that encourages people to take a holiday from shopping. Recover the spirit of the season by focusing on helping others (volunteer at a shelter, a hospital, or a soup kitchen), valuing the little things (the batch of cookies your elderly aunt took an hour to bake), or starting a holiday tradition with your family.

Far too many of us lose sight of our budgets when the holidays roll around and we spend too much without much consideration for the future. Instead, we can choose to plan for our future while also sharing with others.

About the Author

Michael Warren is a successful Internet Marketer, and the owner of Newbie Web Marketing 101. Looking for ways to make some extra money to help with Christmas shopping? Be sure to read my article on Christmas Money Making Ideas.