It's that time of the year when many will spend more money than they really can afford. And all of that gift buying can spell financial trouble. Whether your generosity causes a cash crisis or adds to your credit card balance, experts say the best weapon against holiday debt is planning. Know how much you can spend before you head out the door. Write a gift list to avoid impulse buys. And use cash or a debit card whenever possible. A tip to remember for next year: save a little bit each month and create a "Christmas Fund" so when the holidays roll around you don't have to rely as much on credit cards.