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The overflowing expectations around the holidays can entice us to spend more than we can afford. Not only do we have bills to face once the decorations are put away, but聽聽to an Experian survey say extra expenses also make the holidays hard to enjoy.

Now鈥檚 the time to plan so your December spirit doesn鈥檛 lead to January bills. We asked five experts on frugality what they do to avoid holiday overspending.

Recognize your triggers

, author of 鈥淵our Playbook for Tough Times,鈥� says you need to recognize your spending triggers. Are you trying to make the holidays more magical for your family? Can you resist anything but a great a deal? Knowing what drives your spending can help you stop.听Here鈥檚 what she recommends:

• Carry your list with you even after you鈥檝e finished聽shopping. When you see a killer deal or a gift that鈥檚 鈥渕ore perfect鈥� than the one you鈥檝e wrapped up, use the list to remind yourself you鈥檙e done.
• Make a game out of spending little or nothing for a gift. Freedman likes things that represent 鈥渁 stirring tale of thrift.鈥� She uses one such gift, a vase with a hole in it, to keep money she finds 鈥� on the ground, in vending machines, wherever 鈥� for giving to charity each holiday season.
• Consider limiting children to four gifts, asking them to choose 鈥渟omething you want, something you need, something to wear, something to read.鈥� 聽It helps children set realistic expectations.

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Work with a list

For Tiffany Aliche, aka 鈥�,鈥� step one is making a list of whom you plan to give to and how much you plan to spend. Make sure your gift budget fits into an overall holiday budget that accounts for shipping, decorations, food, travel and entertainment. Her top tips:

• Check that list twice. It鈥檚 easy to forget thank-you gifts for coaches, teachers, the letter carrier, party hosts. Decide what you want to give each person. Once the list is set, adjust it聽as you go to keep planned gifts and your budget in sync.
• Use technology. 鈥淧rice-check online before you buy or go in a store,鈥� Aliche says. Know your price range for every gift on your list and set up price alerts. One of Aliche鈥檚 new favorites is the Chrome extension聽, which looks for better offers as you shop online and applies the best coupon when you check out.
• Consider making an experience the gift. If you鈥檙e already planning a holiday outing with a group of friends, can you agree it will be a gift to one another?

Match your approach to your values

The blogger who writes under the pseudonym聽聽says her family鈥檚 frugality is 鈥渓arger than the holidays.鈥� She notes that while the season is 鈥渨onderful and it鈥檚 fun, it鈥檚 not an excuse to dip into your聽.鈥� Her tips:

• Decide what鈥檚 most important and spend accordingly. For her, it鈥檚 a family gathering. She hosts Thanksgiving and cooks from scratch rather than buying pre-made or going to a restaurant.
• Shop with gift cards or cash-back rewards. She prefers giving an item rather than a gift card but occasionally passes along gift cards that were given聽to her. It鈥檚 regifting at its finest.
• Let your values be your guide. She favors 鈥渟mall, reasonable gifts鈥� and shopping locally.

Know the difference between cost and value

Mary Hunt, the author of 鈥淒ebt-Proof Living,鈥� blogs at聽. She says it鈥檚 important to understand that your credit limit is not a license to spend. Try these instead:

• Shop with cash only; leave your checkbook and credit and debit cards at home.听聽See if you can cut your grocery bill temporarily by using up items in your freezer or pantry, or track down unused gift cards to fund holiday shopping.
• Know the difference between a gift鈥檚 value and its cost. A $20 toaster that you found on sale for $8 is still a $20 gift. If you budgeted $20 but paid less, that doesn鈥檛 mean you owe the recipient $12 more in gifts.
• Define 鈥済ift鈥� more broadly. Can you give your expertise, such as setting up a website for a tech-challenged friend? Do you have a treasured possession to pass on? One of Hunt鈥檚 favorite gifts was vintage crystal that belonged to her mother-in-law: 鈥淪he wrapped it up for me for Christmas and got to see me enjoying it, rather than just leaving it to me in her will.鈥�

Plan for聽thrift

Having a plan is central to being thrifty, says Gary Foreman, founder of. 鈥淚f you don鈥檛 have a plan, you鈥檒l overspend,鈥� he says, noting that some people don鈥檛 finish paying for Christmas until April or May. His tips:

• Subscribe to online price alerts so you鈥檒l know about price drops for a specific item or for travel. (And unsubscribe later so continual alerts don鈥檛 tempt you to spend.)
• Regifting is OK, especially when you know someone will love something you can鈥檛 or won鈥檛 use.
• The thought really does count, and thoughtful gifts can be inexpensive. One of his favorite gifts came when his daughter tracked down an ethnic bakery to get him some kolaches, Bohemian pastries his grandmother used to make. 鈥淥nce you have needs met, the gifts that make a difference are the ones that say the giver knows who we are. Those are the best and most memorable gifts,鈥� he says.

Bev O鈥橲hea is a staff writer at NerdWallet, a personal finance website. Email:聽boshea@nerdwallet.com.听Twitter:聽.

This article first appeared in .听