(BPT) - The holiday season is synonymous with joyful celebrations, viral gift guides and wish lists that seem to grow every year. With so much excitement, it's easy for holiday spending to get out of hand. But with a little planning and helpful financial tools, gift givers can enjoy a season of giving without the guilt of overspending.

Try these three simple strategies for smarter, stress-free holiday spending, while prepping for the future:

Set your game plan (and your budget) early

Before holiday deals hit, consider outlining your financial goals using the Capital One Money & Life Program . The Money & Life Program offers free mentoring, digital tools and personalized tips to help your financial well-being, which could help you prioritize gift lists and set realistic spending limi

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