Take little steps to keep yourself from getting carried away and heading into the New Year with a debt hangover. You’ve seen the footage on the news. You’ve been in the middle of it. You’ve stood in the vexing lines. You’ve circled for the elusive parking spots. Holiday shopping can be downright frenzied—and impulsive. You don’t necessarily need to go to the mall to feel the pressure and the urges—a half-hour with your laptop or tablet can put you in the same frame of mind.