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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Flat illustration of a holiday gift box and shopping bags with a rising spending chart in navy, teal and gold

Holiday Spending Forecast 2026: Americans Will Spend $1,654 This Season — How to Enjoy It Without the Debt Hangover

The holiday spending forecasts are in — and they tell a story every one of us under 40 will recognize. We’re planning to spend more this year, even though money feels tighter than ever. Deloitte’s 2026 Holiday Retail Survey, published this week, puts a number on it: American shoppers plan to spend an average of …

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Flat editorial illustration of a shopping cart with gift boxes, a budget shield and a price tag, in navy, teal and gold

How to Set a Black Friday Budget (and Actually Stick to It)

Your Secret Weapon Isn’t a Deal App — It’s a Budget Black Friday 2026 lands on Friday, November 27, the day after Thanksgiving. If you’re reading this in mid-October, you’ve got roughly six weeks until the sales frenzy starts — and that head start is the single biggest advantage you can give yourself. Most people …

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