St. Louis (KSDK) - Did you make a spending plan before you started your holiday shopping?
If you didn't you could still be paying for Christmas next July.
NewsChannel 5's Art Holliday spoke to a consumer finance expert for some spending advice.
Click the video player above to hear what advice Suzanne Gellman had for shoppers.
Be sure to check out Gellman's blog, "Cash Chat" for more ideas.