It's the holiday season which means bright lights and parties. It can also mean an unusually high credit card bill.From gift giving, to travel, to that item you just had to buy for yourself, end-of-year spending is up. Black Friday shoppers spent a record $9.8 billion dollars online this year. Shoppers spent a record $12.4 billion on Cyber Monday. But not everyone is putting cash upfront. Buy Now/Pay Later usage hit an all-time high in November, with an increase of over 42 percent from last year, according to Adobe Analytics. And half of Americans expect to take on debt to pay for the holidays, according to the personal finance company Achieve. We discuss the best way to deal with the rush of holiday expenditures. Want to support 1A? Give to your local public radio station) and subscribe to this podcast. Have questions? Find out how to connect with us by visiting our website).Learn more about sponsor message choices: podcastchoices.com/adchoices)NPR Privacy Policy)