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If you’ve recently found yourself struggling with rising debts, you might find that allocating the money you need to repay your creditors is a serious challenge. After all, many Americans are living with already-strained finances, and finding places to cut back can be difficult. Sometimes, there’s nothing left to cut from your budget and you still can’t manage minimum payments. Fortunately, now that summer is just around the corner, it’s the perfect opportunity to apply for a secondary job as a way of making up some extra cash for your monthly payments.

If you’ve ever watched the 2009 movie “Confessions of a Shopaholic,” you’ve seen how a bad shopping habit can wreak havoc on both your finances and personal life.

Perhaps like Isla Fischer’s character in the film, you have found yourself in a retail quandary. Similarly to how many people emotionally eat to fill the void in their lives, maybe you turn to online stores and the Sunday ads to make up for what you feel you’re missing.

We know what you are thinking: how is it already that time of year again? With the holidays fast approaching, preparation will help you better manage your finances and keep you from overspending in the next few months. How can you prepare and make sure the holidays don’t get the best of your finances and derail your progress?