FRESNO, Calif. (KFSN) -- When it comes to gift-giving, we've all heard it's the thought that counts, but this year, more shoppers are applying that sentiment to their budget.

Mary Hines Droesch, financial expert with Bank of America, says that even though debit and credit card spending is up by 3%, people are making choices to make their dollars go further this holiday season.

As pressure builds on people's budgets, a recent Bank of America survey shows consumers are re-thinking their shopping strategy.

"38% are limiting who they're shopping for this season to immediate family and close friends and being very careful about where they shop, with 87% intending to shop at a discount store this season," says Droesch.

Stretching your dollar starts with a budget.

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