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You've overspent during past holiday seasons, but you're determined not to let it happen this year. What's your plan to prevent painful post-holiday bills? A study from Elevate's Center for the New Middle Class (CNMC) may be able to help.

The study focused on holiday spending behavior and how it varies depending on credit scores. CNMC separated the data into two levels – prime consumers with credit scores of 700 or above and non-prime consumers with credit scores below 700 (the "New Middle Class" referred to in the CNMC's title). You can check your credit score and read your credit report for free within minutes by joining MoneyTips.

As you might expect, prime consumers spent more on all holiday categories, including gifts ($770 compared to $476 for non-prime consumers), travel ($435 to $198),...

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Employees work at the Inc. distribution center in Salt Lake City, Utah, U.S. Photographer: Ken James/Bloomberg