It may seem crazy, but the holidays are already here! For most, it can be a time of overindulging. Whether it is on food, or holiday spending, most of us do it to some degree. While we would rather just focus on family time, good food and singing Christmas carols, the reality is that we stress about gift-giving and all the funds needed for holiday parties. Instead of going into debt this year, save money and stay within your holiday budget by using these tips.