Have you overspent on Christmas gifts again this year? Here are a few tips to keep from doing that.

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I saw a survey that said most Americans spend an entire year, from one Christmas to the next paying off the previous year's gifts. If that's you, Business Insider has a few helpful tips on how to keep from overspending.

4. Take fewer shopping trips. The more places you go and the more time you spend shopping, the more money you'll spend. Downsize!

3. Shop alone. Shopping in a group, or maybe a "herd" you're more likely to impulse buy.

2. Go "cash-only". I think this is the best tip! It's pretty easy to load up the credit card. That's how most people spend so much time paying off the previous year's Christmas; vacations, birthdays and anniversaries.

1. Use the "10-second" rule. I'm not sure this one's gonna work at all. When you're in the store, you're supposed to decide whether or not it's a good idea to buy something by holding it for ten seconds. The pause is supposed to help you with an impulse buy. Me, I usually take that ten seconds to talk myself more into why I need something than talk myself out of it.

Give these tips a try and let me know how well they work!




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