Nearly 3 in 10 consumers are going into the vacation season nonetheless carrying debt from final 12 months’s festivities. CNBC reviews:

For some individuals, opening up a bank card assertion is sort of a go to from the Ghost of Christmas Previous.

Vacation consumers are anticipated to spend generously this 12 months, with the Nationwide Retail Federation estimating the common client’s outlay at $1,007 for the whole lot from items to meals to vacation apparel — a 4.1 p.c improve from final 12 months. One other evaluation, from NerdWallet, anticipates an 18 p.c bounce on reward spending alone, to a median whole $776.

However that doesn’t give the true image of the fee: 28 p.c of consumers are coming into this vacation season nonetheless paying off debt from final 12 months’s festivities, in accordance with NerdWallet.

Specialists say that in the event you’re amongst these nonetheless lugging round debt from final 12 months, now is an efficient time to pause and strategize, earlier than Black Friday week units off a protracted stretch of frenzied spending.