By Kelli B. Grant,
Senior Consumer Reporter, SmartMoney.com
Senior Consumer Reporter, SmartMoney.com
It may be the season of giving, but shoppers are watching every penny.
This holiday season, consumers will spend an average $683 -- 3.2% less than last year -- on gifts, decorations, parties, greeting cards and other expenses, according to the National Retail Federation. "No one can afford to be frivolous this season," says Gail Cunningham, a spokeswoman for the National Foundation for Credit Counseling.
But there's no need to put the "Bah, humbug!" on celebrations, either. This year, trim your tab using these five strategies:
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