Tyler, TX — It's that time of the year.... everyone is thinking about holiday shopping and always trying to find ways to save.

Before you make a holiday shopping list, Time Moneyland reports six ways to stay out of holiday debt.

On the top of the list... start saving now.

Next.....use credit cards rewards.

Also.....stay away from credit card applications.

They say you should start checking out those retail ads for great deals.

5th on the list........ try gift card exchanges.

Lastly.......hit the dollar store.

Ketk's Teresa Sardina went out to a shopping center in Tyler with the list to see how East Texans plan to save this holiday season.

Here's the list of six ways to save:

1.) Start saving now

2.) Use credit cards rewards

3.) Stay away from credit card applications

4.) Start shopping now

5.) Try gift card exchange

6.) Hit the dollar store