The holiday season is a time for having fun, spending quality time with loved ones — and spending money. The average person plans to spend $890 on holiday gifts, food, decorations, and other seasonal items this year, according to the National Retail Federation’s annual consumer survey. That can put a big dent in your budget, and may even lead to a holiday debt hangover in January if you aren’t financially prepared. Fortunately, the season of giving is also the season of opportunity. From wrapping gifts a ...