If you are in the market for spending a large amount of money, make sure that you plan ahead and save up so that you pay cash. One of the biggest culprits of the large spending sprees is the Christmas Season. People tend to spend a lot of money during this season on gifts for others. In order to make this a viable option, you need to start saving in January for the expense of December. Do not use credit cards to fund your holiday spending; if this is necessary, you need to spend way less. By saving up for the holiday spending, you have a set amount and do not have the stress of finances included in, what can be, an already stressful season. Also, if you are in the market for a large purchase, save up for it. The product will still be available later; however, it may be cheaper, or a better model may be available.