As Christmas Eve approaches, many shoppers are rushing to stores for last-minute purchases. A recent survey by Tesco indicates that 40% of people will shop in the final 48 hours leading up to Christmas in order to complete their holiday gift lists. The surge in shopping activity often leads to impulse buying, which can result in overspending during this high-pressure time. Financial experts caution that last-minute shopping can lead to financial strain if consumers do not manage their spending effectively. Dave Nellis from America First Credit Union highlights the importance of maintaining the right mindset while shopping. He advises against shopping when feeling down or out of sorts, as this can lead to decisions that may seem appealing in the moment but can lead to regret later when reviewing credit card statements. To help manage holiday spending, financial professionals suggest a straightforward approach: shoppers should only carry a predetermined amount of cash while shopping. This strategy limits overspending, as once the cash is used up, the shopping trip should conclude. Relying on cash rather than credit cards can also prevent the accumulation of debt due to late fees and finance charges. With the holiday season in full swing, it is essential for consumers to remain mindful of their budgets and spending habits, especially during these last few days before Christmas. By implementing simple strategies such as setting cash limits and shopping with intention, shoppers can navigate the busy retail environment more effectively and avoid the pitfalls of overspending. As the countdown continues, being informed and prepared can make a significant difference in holiday shopping experiences.