American shoppers are intent on continuing their trend toward using more cash and debit cards for holiday purchases rather than relying totally on credit cards. Credit card spending was up last holiday shopping season. According to VISA, holiday spending on their cards last year totaled $257 billion, an increase of 17.5 percent over last season.

Experts offer specific steps to avoid a New Year spending spree hang over. They advise holiday shoppers to set a ...   more »