Some tips to avoid overspending and protect yourself from fraud:
Create a detailed, realistic budget and fight the temptation to buy unneeded, big, sale items.
Don't apply for additional credit cards.
Beware of too good to be true online offers. Keep receipts and billing statements and check for unauthorized credit-card charges, and shred documents containing personal information.
When using a debit card, press the credit function to keep your PIN safe. Your signature can protect you from defective product purchases, too.
Monitor transactions online to catch potential problems early.
Sources: The American Bankers Association Education Foundation; getsmartaboutcredit.com; Bank of Utah