7 clever ways to avoid overspending this holiday season

The holiday season is a time of joy, celebration, and unfortunately, for many, overspending. After all, it's easy to get caught up in the spirit of giving and end up with a hefty credit card bill come January. According to the 2023 Deloitte holiday survey, consumers plan to spend an average of $1,652 on retail shopping this season, which surpasses pre-pandemic holiday spending figures for the first time. And, if you add in any other expenses — like the costs …