It’s awfully easy to get caught up in the Holiday spirit and spend way too much on gifts. How much is too much? It all depends on you and your resources. But if you run up credit card bills that take months to pay off, you’ve probably spent to much.

You can go a long ways toward stopping over spending with a spending plan or budget.

Nance Kelly, About.com’s Guide to Finance and Credit has a page called It’s Time To Create Your Holiday Spending Plan. It has some great tips, plus links to saving money on decorations and other holiday issues.

Senior BofI offers both credit cards and a variety of savings accounts.