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Spend smarter this holiday season

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SIOUX FALLS, S.D. (KELO AM) - The traditional Christmas shopping season is just hours away and financial experts say develop a plan.

     Marley Prunty-Lara with Lutheran Social Services says emotional spending can push folks over the financial cliff.

     Prunty-Lara says a plan gives you an idea of how much you can afford to spend.  She says that's the most important step.  She says if you don't have a plan and you buy whatever looks good, the January credit card bills are overwhelming.

     Prunty-Lara says look for shopping deals, consider giving creative gifts, pay with cash or set a three month limit to pay off credit cards.

     She says the holidays can also be used to educate your children on responsible spending and credit habits.

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