Despite a shaky economy, a survey by Accenture finds that 20 percent of shoppers plan to spend more on gifts this year versus 14 percent of consumers last year. If you are feeling pressure to join this gift-buying herd, take heed to Suze Orman's holiday action plan before you shop.
"In January we start saving money, getting out of credit card debt, funding our retirement accounts and we're doing wonderful," Orman said. "Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift ... I can't show up at this party and not have something for everybody.'"