While you’re out shopping for your loved ones this Holiday season it’s important to consider the impact excessive spending can have on your finances and credit score. Here are a few tips to keep in mind when you head out to the mall.The Holidays are a fun time for most people, but can become stressful with the pressure to buy, buy, buy. Set budgets and stay to them, try not to be a last minute shopper, only charge on credit what you can pay off, and no matter how tempting the offer is, re-consider that store card.