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Allowing holiday expenses to sneak up on you could mean starting the New Year in debt.

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According to Cruze, here are the topholiday costs to watch for that can break your budget.

Here are the average costs for each holiday.

Travel costs arent included.

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Then, determine how much you might reasonably afford to spend.

Instead, cut back on these five sneaky expenses with her tips.

Clothing

Take a quick inventory of clothes it’s possible for you to wear to holiday events.

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Also, only buy whats necessary.

As Cruze pointed out, do you really need another party dress?

Also, make your shopping list as early as possible to take advantage of holiday sales.

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You could also use another Cruze strategy and find what you want secondhand.

DIY decor is another money-saving option thats also a fun holiday activity.

Cruze said, If you are hosting Thanksgiving, do not be afraid to delegate.

Travel

Travel costs can add significantly to your holiday budget, especially if youre flying.

Cruze said to weigh your travel options and plan early to save.

Determine if driving is a more affordable option than flying.

If you must fly, early planning can mean avoiding the higher cost of last-minute flights.

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