Shoppers deal with looming holiday debt

Shoppers deal with looming holiday debt

HUNTSVILLE, AL (WAFF) - Shoppers are out in droves as the holiday shopping season races towards the finish line.

Devin Bouldein of Rainsville spent most of Thursday Christmas shopping in Huntsville. She said no matter how hard she tries to resist, she always overspends.

"It usually happens every year or I'll have an idea in my head, and then I get to shopping, and then I'll find something. And I'm like, 'Oh, I need this. Oh, I need this. And then I need this.' And then, of course, I need something for myself. And that is usually part of my problem," said Bouldein.

Brian Randall of Huntsville recently celebrated his 14th birthday. He said he used most of his birthday money to buy Christmas presents for his family. And he too wound up spending more than he originally planned.

"Pretty over budget. I wasn't looking to spend as much as I did on some of my parents, but it just happens, I guess," said Randall.

Patricia Lloyd, public relations director for Redstone Federal Credit Union, said once Christmas is over, it all comes down to getting back on the wagon and realigning your budget at the start of the new year.

"If you've got a budget and you have already exceeded that budget for your Christmas shopping, you're looking ahead for January, you know you've got to re-establish that budget so that you can stay in line with your expenses," said Lloyd.

Lloyd said a little detective work may be necessary when your credit card statements start rolling in.

"When you're looking at your credit card statements for January, make sure that you have not been overcharged. If you've returned some things, make sure that you've gotten credit for that," said Lloyd.

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