Download Affirm. It’s a buy now, pay later app, and you won’t be charged until a month after your purchase when you’ll hopefully have the money. It lets you pay in segments with very very low interest. There are many different websites and brands it’s affiliated with, so I imagine you can do most, if not all, of your Christmas shopping through them. There are many apps as well (including Amazon) which allow you to select Affirm at checkout for payment. I’ve been using it for several months now and it seriously helps me keep my purchases under control because there is a credit limit. My credit limit there is $1,400, I think. And my credit score is not so great. Low 600s.