Our tips to avoid a financial holiday hangover

Don't go into debt over holiday shopping, start saving now. 

Experts say now is a good time to start reigning in your spending, strengthen your savings and create a year-end financial plan. 

Here are three steps to enjoy your holiday season while keeping your budget in check: 

1. Plan shopping expenses ahead of time. Start saving now. 

2. Identify ways to cut back on monthly spending. 

3. If you're planning on traveling for the holidays, book your flights now. 

During the holiday season, overseas flights are cheaper than domestic.