*With retailers reporting the best holiday shopping gains in four years, gift-buyers are filling their carts at Target, grabbing deals at the mall and breaking out the credit cards to pay for it all.

Christian financial planners though are warning church-goers about the dangers of Christmas-shopping debt. They say rather than overspending, this is the perfect time to realign your finances, become better stewards of your money and teach your children about giving.

The nonprofit debt-counseling organization Christians Against Poverty released these 10 suggestions for smart spending during the Christmas season.

Check out the tips here.