An expert on debt says it’s not too late to keep yourself from getting into some major money problems this holiday season. Steve Rhode of Debt Counselors of America says you should stop and budget what you plan to spend this year.He says credit cards tempt you to buy things you can’t afford.Rhode says don’t let the emotion of the holidays push you to overspend your budget.Rhode says you should sit down now and figure out if you can afford what you’ve already purchased, or how much more you can spend before you hit your budget limit