(BPT) - The holiday season is synonymous with joyful celebrations, viral gift guides and wish lists that seem to grow every year. With so much excitement, it's easy for holiday spending to get out of hand. But with a little planning and helpful financial tools, gift givers can enjoy a season of giving without the guilt of overspending.

Try these three simple strategies for smarter, stress-free holiday spending, while prepping for the future:

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