It's the midst of this year's holiday spending season, but 13 million Americans are still paying for last years shopping.
That's why Terry Mills with Consumer Credit Counseling of the Black Hills says it's imperative to set up a specific budget number this season.
He says if you do plan on carrying a balance after Christmas to make sure you set up a plan to pay it off quickly.
It's very easy to get pressured into spending more than you can afford, especially with the ease of online shopping.
"Try to take the emotion out of it, if you can, treat it like a business, have a number, assign a number to what you want to spend and only you can determine what that number is. Don't let advertisers or family pressure you into spending more money than you can afford; they're not the ones who are going to have to pay it back," says Mills.
Mills says just because it's online doesn't mean it's a good deal, it's important to compare those items with what local stores offer, and the services those stores offer along with those items that you won't get online.