(InvestigateTV) - Carrying credit card debt into the holiday season can quickly spiral into a painful "debt hangover" come January.

Debt relief attorney Leslie Tayne said now, before the holiday pressure sets in, is the time to review budgets for the upcoming season.

Tayne said that includes planning for Thanksgiving, Hanukkah, Christmas and Kwanzaa."At this time you should be gathering your lists, thinking about who you're giving gifts to and how you're going to be paying for those," Tayne said.