If you haven’t been tracking your credit card spending lately, thinking you’ll just worry about it in January, you might want to pay it a little more attention.  It’s very easy to overspend with plastic, especially when shopping online for gifts. Experts say you should not only be tracking how much you’re putting on the cards, but having a realistic timeframe for paying off the debt when the holiday season is over. If you can’t pay it in full, have a plan to do it within 2-3 months.  You don’t want to be paying off holiday 2020 when the next season comes around.