By Steve Branton Learn more about Steve at NerdWallet’s Ask an Advisor As Black Friday and Cyber Monday fast approach, it’s a good time to think about how much you really have available to spend this year on gift giving. Although delighting your loved ones with gifts can be exciting, no one likes a credit-card hangover in January, or the feeling of having overextended yourself at the expense of your own long-term planning goals. But you need not sink into debt in pursuit of the holiday spirit.