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Tracking your spending can steer you out of trouble this Christmas season

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Holiday season can be stressful for Minnesota consumers, especially if the prospect of buying gifts will add to an already burdensome debt load.

"Careful planning and active communication are important tools to effectively managing personal finances, particularly if a consumer is struggling to make payments on their current debt obligations or being contacted by a debt collector," Minnesota Association of Collectors President Tom Gavinski said.

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