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This holiday season, I’m choosing Spending Detox Challenges #1 (Declare a “Zero Spending Zone”) and #4. (Buy Prepaid Cards).

With Challenge #1, I plan to limit my habit of online shopping for Christmas by picking four days (November 23rd, November 30th, December 4th, and December 5th) in which I won’t spend at all. The real challenge here is to cut out Cyber Monday - I always head in with plans to buy cheap deals for family and friends, only to spend exclusively on myself. This year, I’m cutting out that possibility altogether.

With Challenge #4, buying prepaid cards and gift cards will keep me honest about how much I’m spending - that way I won’t be tempted to break my budget. And pro tip - if you have a Target Red Card, you can get 5% off on any non-Visa gift cards at any Target location. For example, if you’re planning on buying video games or Disney toys as a gift, you can always buy a GameStop or Disney gift card and save 5% on whatever you end up purchasing.

Let's all look out for each other to make sure that none of us ends up a George!

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