As tariffs alter holiday wish lists, financial anxiety is prompting many Americans to rethink their spending plans.

“As a parent, I’ve kind of tried to lessen what I’m spending,” shopper Samantha Hunter said.

According to NerdWallet’s holiday spending report , 31% of shoppers are entering this season with credit card debt from last year.

A recent poll from the American Institute of CPAs finds 47% of holiday shoppers and travelers expect to go into debt. While many set a holiday budget, about one in four admit they probably won’t stick to it.

With prices still high, shopping expert Trae Bodge urges preparation ahead of Black Friday.

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“Look back at your credit card bill from, say, January. Did you bring d

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