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Holiday shopping doesn't have to break the bank. Make a budget and start early so that you're not pressed to make last-minute decisions. (Tribune photo/

Take control of holiday spending: Finance counselor says make a budget, start shopping early

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By Ashley Hagelin

It’s amazing how easy it is to go overboard during the holidays. We all tell ourselves, “I am not going to overspend, overeat or overcommit” — but sure enough, every year we find ourselves way beyond the limits we set for ourselves.

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