SHOPPING TEMPTATIONS: Consumers face more pressure to spend on holiday shopping this year. Black Friday hours and deals are starting earlier and more credit card issuers are attaching spending requirements to rewards and bonus offers.

BE DISCIPLINED: In order to stay out of the Black Friday money trap, it's important to have a shopping plan and budget that you stick to. Avoid impulse purchases.

LIMIT CREDIT CARD USE: Use only one credit card for holiday shopping and aim to repay in full when your next bill arrives. At least set a target date to zero out the balance.