Flat illustration of a holiday calendar with gift boxes and a golden shield guarding a piggy bank

How to Avoid Holiday Debt: A Week-by-Week Plan (Start This Week)

Why this year needs a plan, not just good intentions Deloitte’s 2026 holiday survey, published October 14, projects the average American will spend $1,654 this season — up 4% from $1,595 last year. Retail goods alone are expected to hit $988, up 10% year over year. And shoppers are already moving: 24% started buying in …

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