Recently I read a story that said that nearly 50 million Americans are still paying off credit card debt from last Christmas. It's so easy to get caught up with the holiday season. Maybe, it's a Secret Santa event and you don't want to look like a cheapskate.

It's going to be different this year, you are going to stick to a budget.....but how? Here are some gifts that can help.

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You never know when the power will go out or how often. This is a great way to see the light and be kept out of the dark. Also with it getting dark so early, it's a great thing to have when walking to your vehicle.

Who loves Oreos? WHO DOESN'T!! It's an awesome gift to give to a teacher or a boss. At this price, you can buy two and keep one for yourself. It comes with a souvenir tin so they'll always remember how sweet you are.

Give a few to Santa and maybe he'll leave you an extra gift under the tree.

I don't know about you but in our house, we can't seem to remember if the cats and dogs have been fed. Everyone is in and out and no one knows for sure. You ask the dog and he just drools.

A great gift for the pet lover in your house.

Do you have a child that LOVES Harry Potter? Do they love to play UNO? You can combine the two for hours of fun. This is also a great way to get them off their social devices and has a special rule. It's inexpensive and fun.

Finally: The Bad Dad Jokes seem to be the rage this year. Don't leave your father, uncle or that man who thinks he's funny with his punny jokes. Get the gift of laughter....chuckle...or groan this holiday season.

These jokes may be on porpoise, but they whale definitely make you laugh. See funny!

These items won't break the bank and you won't have to worry about starting 2020 in a financial hole.

Click below to check out our other Ultimate Gift Guide entries!