Black Friday and Cyber Monday kick off the beginning of the holiday spending season. For many, the shopping can lead to credit card debt and overdraft fees.

It can sometimes be a time for indulgence and excess, but it’s no time to throw cautious spending to the wind, especially when the main pitfalls of holiday overspending come from procrastination. When people wait until the last minute to shop, they often feel the pressure to spend more, she said, and their bank accounts and pockets really feel the squeeze

In a recent article for the Plano Star Courier, I offer some helpful tips on how to avoid those holiday spending pitfalls that lead to a less-than-happy New Year.