When you think about heading out to the mall to get the Christmas gifts that you need or you turn on your computer to do a bit of internet window shopping if there’s one thing that makes you hesitant to spend any money, what would that be? If you said that you were afraid that you might go into debt, you’re certainly not alone. In fact, each year there are financial reports that come out the following spring that indicate just how much money people owe in credit card charges due to how much shopping they did in December.

You definitely don’t have to become a statistic, though. In fact, we’re pretty sure that if you apply even a couple of these money-saving tips, you will be able to get all that you need this holiday season and still have some money leftover in the bank (yes, even in your savings!).

Are you curious to know how? We’ve enclosed five ways below:

Stay focused.

It’s very easy to start off going shopping for other people only to realize that you’ve ended up selecting more things for yourself than anyone else. If there are a pair of shoes or jeans that you feel you’ve just got to have, remember that there tend to be some really great deals following Christmas. Get presents for others now. Enjoy some of the amazing sales for yourself later.

Don’t be afraid to do some negotiating.

Say that you’re planning to do some online shopping and the websites that you’re visiting have an online chat feature. While you’re discussing with them the things that you’re considering, don’t’ be shy about asking them if they have additional discounts. There are more than a few people who have said something like “I will shop here but I would like 15 percent off or free shipping if I do” and we’re able to get it from the customer sales associate without any hassle.

Pick up a discounted gift card.

If you’ve never been on a website like Gift Cards or Gift Card Rescue, you might be surprised by what you’ll find. That’s because they are sites that are specifically designed to literally give you more bang for your buck. For instance, there you can purchase a card for $80 in order to buy $100 worth of merchandise from its participating realtors. It’s worth checking out.

Look for coupons and promo codes.

If you’re going to go to a website to pick up a lot of your presents, don’t forget to first go to a website like Retail Me Not to get an Overstock promo code. Remember, coupons and promo codes are not just for buying groceries. They can save you a lot of money on things like clothes, appliances and electronics too.

Use cash.

If you plan on relying on your credit cards this entire holiday season, that is a surefire way to find yourself in a financial (drama) state come January. Remember that credit card purchases come from interest and unpaid interest can definitely add up. Our recommendation is that you spend cash. That way, once you buy something and walk out of the store with it, you won’t have to worry about getting a credit card bill in the mail later. Happy Holidays!