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As the holiday season approaches, the American Bankers Association offers tips for responsible shopping within a budget. Creating a gift list helps manage expenses and avoid impulse buys. Look for deals and consider combined shipping for online purchases. Plan for additional holiday expenses beyond gifts, such as decorations and food. Reviewing last year's bills can provide insight into spending habits. Keeping track of receipts during the season helps maintain a clear budget. If using credit cards, limit them to necessary ones and monitor statements for unauthorized transactions.