The holiday season can invite many reasons to spend. There are flights to book, gifts to buy, special holiday outfits, extra food for visitors, and the temptation of seasonal sales. To participate in the festivities, many people may have to stretch their budgets, whether they can afford it or not.

“Even as credit card debt tops $1.14 trillion, holiday shoppers expect to spend an average of $1,778, up 8% from last year,” said CNBCciting Deloitte’s survey of holiday retail sales. These spending plans are in place even though an estimated “28% of holiday shoppers still haven’t paid for the gifts they bought for their loved ones last year,” according to another holiday spending report from NerdWallet.