Are You Saving for Holiday Expenses?

The holidays are coming. Yes, it's still hot outside in many places, but the retailers are starting to think about decorations and music. Is your bank account ready?

About.com's credit expert gives us a friendly reminder that the best way to avoid holiday debt is to save up now. That way, you'll spend money you actually have instead of borrowing it. Some banks even create Christmas Savings Accounts for this purpose.

Get prepared by reading LaToya Irby's page on avoiding holiday debt. Then start saving if you're going to spend.