Try cutting your expenses in this great holiday season. Save and save extra bucks. The money on your credit card might be over if you couldn’t try to. The holiday season gets people to use their credit cards.  Hey – Black Friday does have some great deals, but if you use the plastic, or hadn’t budgeted for it, those supposed savings become holiday debt.  That’s why I always budget for paying it off after the holidays – try cutting out Starbucks (I know, it’s really hard and it kills me) and a few other things (no Red Lobster) until March, when I usually have it paid off.  No cards, payday loans (the occasional emergency use does no harm), no nothing until March.  That way, I pay off the gifts I gave and don’t wind up with interest payments until next Christmas.