Welcome to the Jill on Money Podcast. Yeah, I know it's the holiday season and you know what I do not want you to spend more than you can afford. Here are some tips that I shared with the

CBS This Morning audience.

And this morning's eye on money, how to avoid overspending this holiday season, but it's okay if you overspend on my

present more than 56% of consumers have already started their holiday shopping I

don't know any of those people and about 48 million Americans are still paying off

debt from the last holiday. I know some of those. We talked to people about

their holiday shopping plans. We love to shop up on Black Friday. Let's go!

Let's go!

I do online because stores are so chaotic,

people running around, out just not my style I do not

shop on Black Friday at all it's so crazy it's hectic got my credit card till

of this day I would think I would like to actually try to

spend less and try to make more gifts and do more like handcrafted type of

things. And my husband's an accountant also and so we're very good about sticking to the

budget. I don't never tell a budget because you should treat yourself.

I actually don't really like spending my money that much.

We try to set a budget every year and my wife goes over every year. And CBS News, Business Analysts, Jill Schles-Slesinger is here.

Good morning, Jill.

Don't give me any of those handcrafted items for questions.

Okay, please.

I'm not crafting.

We need to have a budget, right? Yeah, Yeah I mean I think it's really hard to actually

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